<prompt> Human: I have a Bank of America rewards credit card that I am now using all the time because I save 1 on anything and 2 or 3 on groceries. Before, there wasnt really an incentive to use the credit card over the debit card but now that there is, I dont want to be constantly transferring money over to the credit card. Cant I just start it every month at 1000 and use it without going over budget so that way I dont have to worry about transferring money?The incentive to even have my credit card paid as soon as possible is that the credit bureaus randomly check how much you owe and your credit score could be negatively impacted if they were to find that you have used up 60 of your credit during the time they check. Having 30 or below is fine from what Ive read I think, but Im just wondering what problems could arise by having a negative balance.Edit: okay I am totally overthinking it. Thanks for the input guys!  <response>: 1. Use card.2. Get statement.3. PAY IN FULL.Really, its pretty simple. 