Does everyone restrict their credit card usage to items you would buy even if you were paying with cash or do you put more on your credit card to get the extra points? I'm guilty of being in the second group myself.

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I don't buy things for the points. I buy things and I'm not willing to miss out on the points. There's a difference.

smart

Most people in America think they are the first but are actually the second group

Everyone else in the world knows the first is a fallacy

I put everything. I’ve figured out how to get 5% back on almost everything. I’m able to get even more value back because I transfer the points to miles. I haven’t paid for international flights for my family of 4 for the past 2 years and we’ve gone on 4 trips so far and have 4 more booked for this remaining of this year. I’m still frugal/intentional no matter what I pay with though.

Why would you feel guilty for getting the most of your available benefits and using the card to get more points?

I sometimes fall into the 2nd, but I never buy anything I cannot pay off immediately if needed

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