[Swizec]

> The allure of credit cards for banks is that too few people are thoughtful enough to know that borrowing from the future is equivalent to spending money in the bank

Which is why I take full advantage of that 1-month $3k interest-free loan the bank is giving me, while keeping the $3k in a savings account which does have some positive interest. It's not much positive interest, but it's some.

Micro optimization, yes. One I can only afford because I have that money anyway, yes. But it makes me feel so shrewd and that feeling makes it worth it.

[matwood]

If you have a cash back card or one with points, you could even say it's more than a micro optimization. I put everything through a credit card and pay it off monthly. I get protections offered by the CC company AND cash back or travel reward points. A little discipline goes a long way.

[Swizec]

> A little discipline goes a long way

Well I have one of those credit cards that stops working if you don't pay it off at the end of the month. So it doesn't even require that much discipline. Just some cashflow management in that I have to make sure that there is money on the bank account before the credit card charge happens.