We are not a credit card family, at least not for the last two years since we paid off all our non-mortgage debt via Dave Ramsey's Total Money Makeover, and therefore we do not use credit cards except for travel (car rental and airplane tickets) or for business expenses.
Our real estate investments are a business and, accordingly, we sometimes, as much as it pains us, use credit to finance repairs and or upgrades and then we pay off that debt with rental income. I am sure you can see where this is going . . .
We presently have $1472 sitting on our Home Depot credit card incurred during this past month as Mr. Sam did some upgrades on Rental #1. The good news, this debt is interest free assuming we pay it off by July 20, 2010 and that we keep up with the 0% rules (we make our minimum payments of $10 a month on time). I hate, hate, hate having credit card debt but it made sense to finance these upgrades using Home Depot's 0% credit card deal.
So now I will also be tracking our credit card debt on this site until it is paid off:
Home Depot: $1472 (0%).