"Rewards" points aren't paltry. A good card allows "points" to be redeemed directly for actual cash and 2% to 5% adds up to a nice chunk even on non-extravagant

"Rewards" points aren't paltry. A good card allows "points" to be redeemed directly for actual cash and 2% to 5% adds up to a nice chunk even on non-extravagant expenditures. It usually exceeds the pay with cash incentive that some firms (gas stations especially) try to entice with -- a rewards card will give you 3% CB for gas. The best rewards are reaped by those that pay their balance as early as possible and have the best credit. Paying your balance in full improves your credit score, since it keeps your debt-to-credit level low. And it is not true that those that regularly pay can spend more than their credit limit. After years of no balance carrying and numerous cards one accumulates a credit limit that would drain their savings whatever it was ($100ks). Unless you think millionaires are the only ones that pay their balance in full. I somehow managed to pay in full when I earned minimum wage. CC companies are fine with non-balance carriers, because the conversion rate to balance carriers is quite high. A few of us just don't spend what they don't have.