Tanstalas on 27 September 2010
I have 2 CC's - the one I use the most is a TD Visa "Rebate" card. I charge pretty much everything on it, however, and this is the key point I never carry a balance month to month - since I have access to my Visa CC's online and I bank through CIBC I check my balances a couple times a month and pay them off (usually twice a month) this way I do not incur interest charges.
The rebate card is nice as it gives like 2% cash back on all purchases made over the year (you get a one time payment in January). So if I spend $10,000 on my CC in January I will get $200 back. If you are late paying though they can deny you the rebate.
Unicorns ARE real - They are just fat, grey and called Rhinos
