Well that is good but the strategy is people who dont have your level of restraint. They make is easy to spend with a simple card, that it the main strategy, and then offer bonuses to make it even easier to spend. Many get into debt but as long as your have restraint, then its all good.We haven't paid a dime in interest to the CC companies in the 30 some years we have owned CC's.
I'd like to hear the "strategy".
They do make money because as your fully aware I am sure, most younger people especially, get that debt rolling and fewer people have restraint.