I think conventional wisdom is that you should pay your card off each month and never pay interest. That way you benefit from the cash back or other rewards pro

I think conventional wisdom is that you should pay your card off each month and never pay interest. That way you benefit from the cash back or other rewards program and have better protection against fraudulent transactions (it’s the issuing banks problem, not yours). Now, in practice, many people don’t do this and the credit card companies bank off of that