I'm like you LEP and I also use a world elite CU MC with a higher annual fee but has double the points of a more basic card. The extra points and unlimited use more than makes up for the higher annual fee. I haven't paid a cent of interest on a balance....ever. I manage it. I too don't need the credit. And if there is no upcharge on the regular purchase price of things.....I'd be foolish not to "ab"use the card.
I've never been charged less when paying with a debit card/cash versus a CC. UNTIL they start differentiating, I will continue to use it for as much as possible. There are so few perks
farming....sometimes you have to create your own
I've never been charged less when paying with a debit card/cash versus a CC. UNTIL they start differentiating, I will continue to use it for as much as possible. There are so few perks
farming....sometimes you have to create your own
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