<prompt> Human: I dont know if this is a dumb question or not. Im trying to familiarize myself a little better with how to use and manage my credit. The card I have is a 0 apr card with 1.5 cash back as well. Tell me why this is a bad idea  <response>: If you have the discipline not to charge more than you can pay off every month, this is the best idea. You get a 1.5 discount on everything.The APR should be irrelevant, because you will never pay it. 