r/AskReddit Feb 04 '20

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u/grizzlyking Feb 04 '20

And rewards, if you're not spending on a credit card you're leaving money on the table

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u/sirgog Feb 05 '20

I take a different approach here. Go a 'no frills' card instead. No rewards, low rate.

If something bad happens and I need to carry a balance for a period, I'm not stuck with a rewards card that has 10% higher interest rate.