[Repealthe17thAmendment]

When credit cards are used properly, they can be an effective financial tool. Whether it's cash back or rewards points, many cards have additional perks to attract users.

Cash back options, some as much as 4%, can reduce your overall expenses. I use an airline rewards card because I enjoy the travel points.

Credit cards are also convenient, so I don't have to keep a large balance in my checking account. Each month, I move money out of a savings account to pay my balance in full. I pay no interest, earn rewards points, and might earn a little extra interest in my savings account.

[Paladin2]

” Each month, I move money out of a savings account to pay my balance in full. I pay no interest, earn rewards points, and might earn a little extra interest in my savings account.”

Are you trying to bankrupt the Banks?