3 ms·

I don't remember the last time I carried a balance on a credit card, or paid any fee at all for the short-term credit I get on a card. I do remember a 10 night

• 2muchcoffeeman 8y ago
  There’s a lot of people who can’t manage their money.
• grecy 8y ago
  The fact you got the trip for free perfectly illustrates that for every one of you, there are thousands who get taken advantage of. Remember, even after giving you the trip, the CC company still turns an astronomical profit.
  • toast0 8y ago
    So, is your advice to people who can manage credit cards to forgo them? Perhaps the world would be better off without easy money at usurious interest, but given that we're in the world we're in, the rational thing seems to be to take advantage of the rewards programs available, because I'm paying for them either way.
    • grecy 8y ago
      > So, is your advice to people who can manage credit cards to forgo them? I said "lots of people have been tricked". The fact it doesn't apply to you, personally is why I didn't say everyone. Great, you're an exception to the rule. Buy yourself and beer and pat yourself on the back for not being with the majority. In the mean time, realize you are not normal, and for most people a scheme like "cash back" doesn't actually save them money. - and we know this is true because those people paid for your trip AND they pay for the healthy profit of the CC companies.
  • matz1 8y ago
    Sure but either way you are going to use credit card anyway, might as well take all the advantage you can get.