Rocktest said:I wonder if she had a rough childhood, having dick in her last name

She may not have had that last name in childhood.

I HATE people who use "nuff" without putting the apostrophe in front of it as in 'nuff, because it's shorthand for enough. I mean, I become violent just at the thought of it. ARGHHHHHHH. Come to think of it, I hate people who use ARGHHHHHH, too, so I guess I hate myself, too. SH*T!

Don't you just hate people who use that asterisk to replace letters so they don't actually use the "bad" word? Or people who do the little quote mark thingy with their hands? What's up with them?

But what really get's me off, what really sets my blood boiling, what gets me so ticked off I can't even see straight, is those people who say "coinkidink". ARGHHHHHH, SH*T !!!.

'Nuff said.

Gosh, I just freaking love FW.

Just like some folks are saying. If you're smart using your Card and paying off monthly etc..rewards are great. I use it to pay the internet bill, satellite bill, mobile phone bill etc... (they have to be paid either through online checking or credit card..either way you are paying out of your account) hence why not earn rewards through them. IMHO, It's free rewards. I have the Amazon card, and I've been able to get things I would think twice to buy. Again it's for those with the discipline of using the card and paying off monthly.

People in category 3 pay for the rewards the category 2 people make. Thanks to category 2 people.

HSimpson101 said:I HATE people who use "nuff" without putting the apostrophe in front of it as in 'nuff, because it's shorthand for enough. I mean, I become violent just at the thought of it. ARGHHHHHHH. Come to think of it, I hate people who use ARGHHHHHH, too, so I guess I hate myself, too. SH*T!

Don't you just hate people who use that asterisk to replace letters so they don't actually use the "bad" word? Or people who do the little quote mark thingy with their hands? What's up with them?

But what really get's me off, what really sets my blood boiling, what gets me so ticked off I can't even see straight, is those people who say "coinkidink". ARGHHHHHH, SH*T !!!.

'Nuff said.

Gosh, I just freaking love FW.

nuff with the hate

thal said:Like you guys already said, as long as you pay off your balance in full each month, you will make money and prove CNN wrong. The best one I have found so far is the Chase Freedom which gives you 3% Cash Back in your top 3 categories (some limited categories) and 1% on everything else. It also has 5% CashBack on a lot of online sites like CircuitCity.com which came in handy when they had a promotion going on for digital cameras (got the canon 870IS last month for $270 after taxes, and minus 5% which comes to a grand total of $257)...........................................Sams Club Discover is my favorite. Got back $600.00 plus last year. You have to buy the premium membership which cost $100.00. It pays a straight 2% after you spend so much. This card is only good if you charge alot. One drawback they do not have auto-pay but you can pay online.

powellm said:The article does have a good point about one thing. I see people wasting rewards cards that don't carry a balance.

They buy shit they never would have because of the "rewards" they get. They buy at this store because they get "5% Cash Back" even though this store is more than 5% more expensive.

So once again this doesn't apply to most here but not carrying a balance isn't the only thing you have to do to make rewards cards beneficial for you. You have to continue to look for the best deal and not buy random crap just to get rewards.
I agree with you that there are probably a ton of people out there who see "Cash Back" and think "ZOMG! I can gets monies back!!!" I think the other FWFers are getting irked because the title of the article and the way it's written really show a lack of understanding of finance from the author. It's not that much different from saying "Credit cards are evil. They will get you into tons of debt and will ruin you." While it's true that many people do get themselves into debt because credit cards give an easy opening for people to spend more than they can afford, I would argue that credit cards themselves are not inherently evil. Rather, it's those people's irresponsibility combined with easy access to the ability to borrow that is really the problem. Likewise, rewards credit cards don't screw people (when compared to normal credit cards). It's people using rewards cards improperly that screws them (carrying a balance, spending more to get the rewards, etc).

Do the math on do-good programs. Do-gooders might be enticed by cards that give rewards to charity. But they usually pay very low rates - about 25 to 50 cents for every $100 you charge. You're probably better off going with the Cash Back, and then sending money to a charity yourself. You'll end up with a larger donation - and a tax deduction.
Statements like this really bother me. "ZOMG! I can has tax deduction???" If the author actually followed her own advice (doing the freaking math), she'd realize the deduction is only saving her money on the tax she owes on the Cash Back. It reminds me of people who say "Bill Gates isn't generous. He's donating so he can get a TAX DEDUCTION. Why don't you understand that?" Is it that difficult to realize that you don't come out ahead (money-wise) when making a charitable contribution?