re: How many CC rewards points do you have and how much interest have you paid?

I did on some of my older non-rewards cards when I was 21 to about the age 27. I was stupid with my credit and paid a stupid amount of interest. I have to say it taught me a lot but it was a costly lesson. Now I pay off monthly and use the card for rewards rather than a loan.

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Amazing that not a single person in this thread is paying interest on their Credit Card.

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Noone ever misstates the truth on the webs. No question on annual fees, either.

Cap One Venture rewards 2x points - cashed out 92k+ points on vacation, $59 annual fee after first year free

Amex Costco card will be receiving annual check for > $425 in February, no annual fee. If you shop at Costco having this card is a no brainer, especially for gas/restaurant points.

Closed/converted Chase Sapphire Preferred as didn't need a second 2x rewards Visa nor felt like paying the $95 annual fee, and cashed out all points for > $1100. Converted the SP credit capacity/limit to a Chase cash rewards card which I never seem to use.

Amex Skymiles card, 71k+ points, will probably close it at renewal date as spouse got a new one recently with 50k bonus points for spending $1k and no annual fee Yr 1.

I have never paid interest nor a late fee on anything CC related. Amex remains my favorite for service and other reasons, although Chase was easy to work with when the wife had her card info lifted and some A-hole rang up > $16k on 2 separate purchases of gold coins and had them delivered to an out of state address. Amex would have called to verify sizable questionable purchases, Chase didn't and I called them after checking the bill online.