Also - not a day goes by that my wife and I aren't inundated with CC offers. These aren't the typical come on offers of the past. I just seconds ago for example got a CC offer that pays me 50k bonus points, worth $100, to open a new CC account and charge $500 to it over the next 90 days.
That's too tempting to pass up - despite having two other such offers I'm working on now to spend the required money in the allotted time.
Hmmm - an extra $100 off on a new carry gun is mighty tempting - especially with the deals on the guns right now....
(& please - before the nay sayers start - we pay off our CC balance in full each month and never pay a late fee or any carrying fee nor do we ever pay an annual fee - so these cash back incentives are 100% legit)
Not to drift the thread but that is the only way to use credit cards. If you get the right ones they will literally pay you 1% to 3% to give you a 28 day loan!
And on top of that depending on what you buy you might be able to double down with a rebate from the manufacturer!