<prompt> Human: Im about to sign a lease for my new apartment and am considering paying all 12 months rent up front. The company is very good at doing repairs, and Ill have 3 roommates paying month to month, so Im not worried about that.They charge a 15 fee for every credit card transaction. If I can pay all 12 months at once one 15 fee, Id be up 165 180 cash back - 15 fee. My credit card is the capital one student journey. My 12 months rent would be 14400. My credit limit is 15000. Id be awful close to maxing.  <response>: Do you have 12 months rent to pay upfront in cash? If you dont, it doesnt make sense to pay interest on the 14,400. Just pay month to month by check or cash and avoid the fee and interest. 