>Years of that debit/cash life have given me the discipline to
>only spend what I actually have. I don't have the patience to
>pay it off weekly so I what I do is set a reminder to manually
>pay it off ~5 days before they send me a statement then just
>autopay whatever extra balance I have on the due date. That
>*seems* to keep the overall credit utilization on my credit
>report pretty low so far.