Anybody here into credit card churning?

[Happy Hoosier]

23. I travel fequently for work....

And while my company will book and pay for stuff directly if I want, they give me the option of making my own arrangments (within the rules) and get reimbursed.

By doing that, and participating in teh various individual rewards programs, it's remarkable how much you can get. My wife and I like travel, and you can get a ton of value from points traveling, but even just using the the cash back feature can offer significant savings.

So yeah, it's kinda awesome.

I was reluctant at first.... my parents were terrible with money and always maxxed out their cards.

And I naturally followed suit initially. I finally dug myself out of debt last year. We're just getting started in the reawrds card game... and it still makes me feel nervous, but so far, so good. I just ALWAYS check both my bank account and the current balance on the card before making a big purchase to make sure I can pay it off.

Of course, I also have the option of using the card for emergencies if an expense exceeds my emergency fund, but I REALLY want to avoid that if I can! But if I do, at least I'll get some points for it!