[ApK]

Less than half of credit card holders pay their balances in full every month (though it seems many more claim they do) and even for those who do, there have been studies that show people spend more when using credit cards. The study I saw was about the psychological detachment from not using 'real' money, I'm not sure if it even considered more direct stuff, like adding on to a purchase to reach a credit card minimum, or just outright paying credit card surcharges that are becoming more and more common. So I doubt the cash back is really netting out to a real benefit for many. The credit card companies are not charities giving money away. They are more like casinos. There are a few big winners, but most the time, the house comes ahead.

I'm sure you guys are the exceptions, though.

For me, I would not recommend or encourage the use of credit cards, especially since so many of us are struggling with debt or trying to recover from financial problems.