奖励陷阱
200 美元的利润
花费 2,000 美元
Credit card companies spend $10B+ a year marketing "rewards." We break down why chasing points while carrying a balance is the most expensive way to shop.
奖励错觉
在支付 24% 的利息的同时追逐 2% 的现金返还是一场失败的游戏。您每花 100 美元赚取 2 美元奖励，如果您不立即还清，您可能会为这 100 美元支付 20 美元的年利息。
兴趣总是胜利
No rewards program can outpace credit card interest. If you carry a balance, you aren't gaming the system. The system is gaming you. The fastest way to "earn" money is to stop paying interest.