I am female, a woman 'of a certain age' who is still trying to decide what I want to do when I grow up.
Congratulations, keep up the good work. I never had that problem. In fact they cancelled my credit card a few years back because I paid it off every month or didn't use it. I have an American Express Business card that I use to keep track of all my spending, and it has to be paid off every month. I don't like to be owing to anyone but sometimes it can't be helped.
Way to go !!! Like Dick I pay off each month ,, insert picture here. http://3.bp.blogspot.com/_gr0oVAzFitM/SOln1cbuPhI/AAAAAAAAApM/Pghcds_N7HE/s320/snoopy_happy_dance.jpg
Yeah! It feels so good, doesn't it!
Congratulations! It's hard work to clear up that backlog.