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Old 07-29-2008, 03:04 AM   #15
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by Bennie:
After I retired it became very clear that the greatest reward on a credit card was paying the balance off each month. Saves a bunch of money. </div></BLOCKQUOTE>
That is the only way to actually realize any savings, whatever the card offers.

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Old 07-29-2008, 05:26 AM   #16
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It is a proven fact that you spend 20% more if you use a credit card. Use cash and save 20%, no card can give that kind of reward.

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Old 07-31-2008, 07:47 AM   #17
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by Corvette Man:
It is a proven fact that you spend 20% more if you use a credit card. Use cash and save 20%, no card can give that kind of reward. </div></BLOCKQUOTE>
That might be true if you have zero self control. As mentioned, the key is to pay them off every month. It's also much safer to carry a couple of credit cards instead of a huge wad of $$. I lost my wallet once...it had $40 cash and three credit cards. I didn't get my cash back of course, but I did get replacement credit cards in the mail.

I have two rewards credit cards. One of them earns air miles and allows us to fly to Maui every other year at no cost. The other card is a cash back card. Use caution when buying fuel however, as some fuel stations charge a higher amount per gallon for CC purchases.


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