Paying for everything with a credit card is just stupid. Most people do not pay the card off every month and just pay the minimum so they end up paying high interest fees. That's just being stupid.

Plus then they can track your spending habits, again just stupid. If I can't pay with cash then I can't afford to buy it. Why pay the interest??

And then the comment on bonus points...the only people who benefit from bonus points are the businesses that give them out by selling your personal information to the highest bidder. Man wake up people no wonder our country is so far in debt.