4) Unpaid bills - You do not get anywhere with paying the minimum balance on a statement.
I pay the balance with cash or credit bankcard. Now, if you're stuck on which stores you should shop for cards or gift certificates, why not maintain stocks of one of the best, from JCPenney? https://groups.Google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY