CUSTOMERS

fail to pay them off in full each month.

make purchases they otherwise wouldn’t if they had to use their own money.

points are a farce. (In some cases you have to spend more than $50,000 to get a toaster worth $100.)

It’s time to bite the bullet and look at paying down your debt and then getting rid of the card. That way there’s no temptation to splurge.

I must confess I have a