.. people fail to pay off card balances so they have the privilege of borrowing money at a mere twenty something percent interest rate.Credit cards used appropriately are definitely convenient, but can also save money. I often turn my rewards/money back into gift cards at a 10-20% discount. Heck, just today, by shopping at Target, they had a promo 10% off all purchases and then using their card, an additional 5% off.JLC
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