Quote:
Originally Posted by stooker
I maintain a zero balance on my credit card, which I have had for 15 years, I live within my means, and am never late on any bills. I've accumulated tons of points on my card and have benefited from many free or significantly reduced airfare and car rentals. Most recently, I had to rent a three-row SUV in Iceland for a trip with the family, and it would have been well over $2,000, but I paid all but $300 for the entire trip. I don't trade in points for useless Sharper Image shit, although I still have enough points left for that sweet 18-bottle wine fridge.
I don't lose sleep knowing that my card benefits have been subsidized by financially non-responsible people. I've been there, done that in my youth. Had significant credit card debt with high interest accounts for several years after college, but dug my way and have never looked back.
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So, you don't pay for having your credit card then? "Financially non-responsible people" (rather than yourself) buy those "tons of points" for you? I wouldn't call that non-responsible. Looks like some absurd: the one who pays actually does not, the ones who don't pay actually do.