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akuma587 said:
Credit card companies actually pay me money. I've paid less than $20 in fees and interest and received over $400 from rewards programs and sign-up bonuses. The average consumer is so damn stupid that a smart one really can take advantage of all the offers out there and come out ahead.

Yeah. 

Those bonuses are cool.  Though I worry about opening up too many credit cards.  Effects your score or so I hear.  I've got a pretty decent rewards program running through my debit card now though.

It reminds me of when I went to the bank a couple months ago.

"Get a loan to buy a house and get a free $100 dollar Visa Giftcard!"

Who is that supposed to appeal to?  "Get a loan for thousands and thousands of dollars... and get $100!"