How to Stop Using Credit Cards
We Stopped Using Credit Cards, and It's Not as Easy as You'd Think
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If you carry a large balance, odds are that your interest payments are more than the value of any rewards you're receiving. That $25 reward doesn't mean much when your interest for that billing period is $100.
If that's the situation in which you find yourself, then forget the rewards, because the only one who is really making out here is the bank.