Carrying a balance on a credit card means that you owe money to your credit card issuer, and you have not paid off the full amount of your credit card bill. Here are some key points to keep in mind:

• When you carry a balance, you are essentially borrowing money from your credit card issuer, and you need to make at least the minimum payment on your balance every month to remain in good standing with your creditors.
• If you carry a balance, you will be charged interest on the unpaid amount, which can add up quickly and make it harder to pay off your debt.
• Carrying a balance can also impact your credit utilization rate, which is a measure of how much of your available credit youre using. This is an important factor in calculating your credit score.
• While carrying a balance may be necessary in some situations, such as to cover a financial emergency or to take advantage of a 0% intro APR offer, it is generally not recommended to carry a balance on your credit card if you can avoid it.
• If you do carry a balance, it is important to have a plan to pay it off as quickly as possible to avoid accruing more interest and falling into long-term credit card debt.

In summary, carrying a balance on a credit card means that you owe money to your credit card issuer and have not paid off the full amount of your credit card bill. It is generally not recommended to carry a balance if you can avoid it, as it can lead to high interest charges and impact your credit score.