I haven't used a card since my wife left many decades ago.
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Most people know that reward credit cards are out there and give users points or dollars for every dollar spent. What many people don't know is that those rewards are tiny compared to what is offered for sign-up bonuses.
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What I fail to understand is where the points and bonuses come from. Is it some variation on a Ponzi scheme, sustained by penalizing people who don't know how to play the game.