anchor: standard we usually don't or if it it is a purchase uh then it's paid off when the bill comes you know so it isn't any extended uh it may be that i picked up something at the store but then when the bill comes we always pay it off then so it's not any you know uh build up on the charge cards at all
positive: So we don't build up credit card debt, when our bill comes in we pay it off in full.
negative: Normally, when we purchase something at the store, we only pay the minimum balance when the credit card bill comes in.