Top 5 Things You Shouldn’t Buy in 2014

No.3: Credit cards with points

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Credit card issuers implement a variety of innovative reward programs to attract consumers and increase their sales. In the past few years, most of the reward programs have been revolved around the concept of gathering points to earn certain rewards. But nowadays, many card providers are devaluing their reward applications by requiring cardholders to spend more in order to get the same “free award” they could have become previously with fewer points. Instead of buying credit cards with points, it is better to opt for credit cards with cash-back offers.