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I'll acknowledge that Murph started this thread on a semi-responsible note by emphasizing that this system is not for most people.

But posters like Nancy and Fuskie are correct to question the basic wisdom of exhorting people to try to game the CC companies. They're the modern equivalent of the Little Dutch Boy, but they are right. As is evident from other posts here not to mention the freshly-enacted bankruptcy bill, it's not enough to read the fine print when the fine print keeps changing every month you look at it. In other words, don't ever forget that we are currently financing an economy dependent largely on consumer credit, encouraging short-term profit at long-term risk under rules being rewritten daily by business-legislator partnerships who don't give a tinker's damn about us. When you do the simple arithmetic of how many man-hours are needed to gain just a few hundred dollars, and how frighteningly easy it is to make an expensive and credit-history-altering mistake, particularly if you're still working fulltime because you weren't able to retire at age 56 -- it's smarter to just save.
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