Credit card companies will give you free gifts.

     Simply using a credit card can result in reward points and discounts based on their total expenses. Individuals who pay their credit card balance every month should utilize the card for as many expenses as possible, including restaurants (also including the tip), gas, utility bills, groceries, tuition, and any other expense (and I mean any expense), then reap the benefits at a later date. Some companies even offer cash rewards at the end of the year.

     WARNING: Don’t charge more on the credit card than can be paid at the end of the month.

     An extreme example, which may be possible, is to use an airline's credit card to purchase a car. Afterwards, you may possibly receive a free plane ticket. If you don’t have enough credit to purchase the car, contact the credit card company to request a credit limit increase for the month. Consequently, banks do not care what you do with the money for a car loan as long as the title for the car is in their name. Use the money from the car loan to pay the credit card bill.


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