might be, might not be.
I don't ALWAYS pay my credit card balances each month, but if you use beansmom's logic, I must be right, I'm rich (for certain definitions of rich).
Is "usually pay off every month" 51% of the time (in which case its likely an issue) or "there was that one time two years ago." Is the reason for not paying because when the bill is due is two days before a five figure bonus check that will enable you to pay the balance and much of your money is tied up in less liquid investments, or is it "I spent too much at the mall and I'm really bad at planning"? Is the non-payment just those infrequent times when the furnace breaks the same month as the transmission goes out on the car and you emotionally are tied to your emergency fund, or is it a case of "cute shoe" overspending?
This is why understanding yourself is important - not everyone thinks or deals with these things in the same fashion, nor is everyone's situation the same. I pay less on my HELOC than I make on my dividend paying investments, to me, credit is better than free money.
