[wanttocomment]

Studies show you buy more with a credit card than cash. You think you're saving 1-3% but you would easily save that with slightly more conservative spending.

It's also worth mentioning the real business is analyzing the consumer data you give them for pennies.

[danpalmer]

I'd love to see the distribution on this. My bet is that most people don't spend more and a minority spend a lot more.

[wanttocomment]

It's something as small as throwing in a milk shake with lunch. you don't experience the money leaving.

[danpalmer]

I'm still not sure. I don't use a credit card for most purchases, only big things, and I think a lot of people are in that boat.