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x65943

This is the credit aspect, you can use them as a cash advance

Now this is also a horrible idea because the interest rates are crazy, so in effect we all pay our card monthly

x65943

The real reason is because credit card companies charge 2-3% on every transaction, then give us back 1-3% as "rewards"

So it's basically credit card companies skimming off their share of our transactions

x65943

Issue with not using the cards, is then everyone else still will - and you miss out on the benefits

x65943

It's a flawed system and the only fix is banning credit card transaction fees over 1%

K3Nv4

I've never really got any extra benefits with mine but happy with being with a credit union. Secured loans saved me from going broke the money basically goes back into your account over time.

x65943

If you have an okayish credit score you can probably get a card with at least 1% cash back pretty easily

I have some cards which range 1-5% cash back

K3Nv4

Mine just dips under 700 so it's still fairish

x65943

You may try getting a capital one card in that case - I got an Amazon card that gets cash back on Amazon purchases as well

K3Nv4

Amazon keeps denying me even though all my syncrony debt is paid off the only other thing I use syncrony with is pet care and that's paid off lol

x65943

Amazon goes through chase, chase has some of the most restrictive policies regarding credit card approval

I would recommend capitalone or some other company other than chase

K3Nv4

I'd do it for the bonus $200 credit they offer and never use it

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