I am a person who never carries a balance, pays off in full every month. Have been that since I was 18. However, I spent a few years with a pretty big balance. It took a long time to sell my old place after I bought my new place, and my woman at the time was supposedly going to help cover bills.
Anyhow, that was a lie, she claimed she whould help contribute to bills, but in reality, she simply spent my money and didnt help with shit. So, I depleted 100% of my savings, and then over the course of about 6 months, I managed to get my CC balance up over 10K and I finally sold my old place.
Anyhow, after I dumped her, I was able to pay off my CC balance within about 2 years. Since then, (about 8 years later), I've finally finished paying off the 2nd mortgage that I got when I bought the house.
Next time, I will wait until AFTER I sell my old place before I buy the new place.
Anyhow, during that time, I probably paid 3000 or 4000 in interest to BOA for the credit card.