this post was submitted on 17 Oct 2023
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you only pay interest if you miss your payments deadline. I get 2% cash back on every single purchase i make with cc - Last month I got over $50 back.
Meanwhile my savings account I opened with 4% interest and over a grand invested gave me a whopping $5 in the past month.
You do know where that cash back is coming from, right? Everything you buy has credit card fees baked into the price. The business pays anywhere from 1-5% on every transaction to accept your payment, and a small percent of that is returned to you as "cash back" rewards. Its why I've switched back to using cash and any coins I get as change go into a jar. That earns much more than %10 "cash back", and some shops even make the customers pay the CC fee here in aus so I get a small "discount" too.
A lot of what I said applies directly to Australia's economy (which I'm sure I don't need to tell you is absolutely fucked).
I salute you. Physical currency is better for businesses and the individual. Paying "convenience fees" (for what should be a public service), should be a crime.
In a parallel reality, I'm paying interest on water which evaporated.