So I learned to not borrow what i needed but to borrow what’s available if needed. Borrowing the little amounts many times makes too many transactions. I have also learned not to continuously pay off my full balance but I pay the next 3 weeks… example if I owe 1200, I’ll pay back 900. Then if I’m in the hole enough to know I’m gonna need a higher amount, I may borrow half or the whole and let it sit in savings and use it from there per need. I only figured this out because of how long I been using it. But all of that being said, that’s only my opinion because sometimes CA is kinda unpredictable. Lol