Same. But I also never had problem with payment (I cancelled[or returned] purchase less than 4 times in my life, I can only thinking 1 or 2). Almost all credit

Same. But I also never had problem with payment (I cancelled[or returned] purchase less than 4 times in my life, I can only thinking 1 or 2). Almost all credit card benefits are even out the production of incentives it drives. It's hard to prove if you spend 5% more with 3% cash back or not.