@ storx I am good  really good with cc's

but you are better.

I am 820 rating.

I earn a few thousand a year in

cc rebates
ebay ebucks
mr rebates
ebates
bing searching.

My first 22 years of cc use I never paid interest no 1 penny 1 time.

I have now paid about 1000 in fees and interest after 35 years of cc use.

I estimate 2 x 32 = 64k in pay backs.

Oh coupons at supermarket I was very extreme.

A minimum of 20 or 30k . 1986 to 2018

all told close to 100k  in 32 years.