That is probably overkill. I just have mine set to automatically pay the balance every month. I don't even have to write a check or lift a finger. That way you can take advantage of the float. I think my credit limit is over 20k so I never even get close and my fico is in the 800 range, probably more due to the mortgages I have.I pretty much always use my Amazon Visa since I get rewards and pay it off twice a month.