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Why I Don’t Use Credit Card Rewards Programs

Prairie Eco-Thrifter

Any loyalty program is designed to keep you coming back for more – to help you want to spend money in their store, on their merchandise. Credit card rewards programs are no different. The rewards encourage you to charge things on their card. I just won’t waste the time it takes to manage the rewards.

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Best Credit Cards – December 2023

Savings Corner

The bank that issued your credit card sends money for the purchase to the merchant where the transaction took place. The transaction shows up on your credit card statement, and you repay the bank for the purchase. Rewards come in two basic flavors: Cash back. Here are the major types of credit cards.

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Why I Don’t Use Cash Back Credit Cards

Prairie Eco-Thrifter

Grocery buying is what we would do most with a cash back card, but Walmart – where I shop because it is close and cheaper than many other stores – is typically excluded. Spending my time to go to another store in this case wouldn’t pay off. ” You probably do use cash back cards.