<prompt> Human: Howdy, just checking in to one of the most useful subreddits and wanted to share my experience with my credit cards. Im a 24 yr old college student in Texas, about to graduate and Ive had a credit card since I was 18. Now I have 5 credit cards. The last 2 years of my college career have been a bit tough because my federal financial aid is running out. Ive depended on my credit cards to pay for things that dont require cash rent and utilities needed to be paid caah. Ive always had a running balance but I have also transfered the balance 3 times from old to new credit cards, taking advantage of the interest free period. This has saved me in paying interest so many times. Unfortunately I was irresponsible with my spending one academic year did a spreadsheet and spend 1,700 at bars which is the main reason why I struggled lol. Ive learned my lesson and have tremendously cut spending on alcohol. One last thing I want to add is that everything I purchase I use credit cards for in order to get cash back. I have to done a spreadsheet for how much Ive gotten back but it has to be in the 100s in the past 3-4 years.  <response>: how much of a fee are you paying when you roll over those balances? Most times thats not a free transaction 