if this is the case, it really needs to MATERIALLY benefit you. My friend uses all the rewards apps and really uses credit card points, programmes, etc, and it

if this is the case, it really needs to MATERIALLY benefit you. My friend uses all the rewards apps and really uses credit card points, programmes, etc, and it does benefit them. Me? I just use cash everywhere and now the guy at harbor freight knows I'm the guy who says 'I dont have a cell phone number'. Contracts you know, they need to benefit both sides.