Crazy idea... Just hear me out.. Don't buy what you cannot afford to pay off in cash within 30 days. It's a pretty simple concept. Banks are providing a service on an unsecured credit line. Just for [masked profanity removed) giggles I looked what my APRs were. Most were in the 20% - 26% range (which I was shocked). I never paid a cent in interest, so I never looked before. I just prefer banks pay me to use their credit than I pay them.

If they were to remove the rewards from the credit cards, I'd probably go back to cash and checks. I am not using a service that provides no benefit to me. Since I pay my balances of every two weeks or so (I hate debt), it doesn't matter to me.