> 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, persona

> 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.