The secret to the Best Black Friday deal of them all: paying nothing
There isn't a single credit card I use now that doesn't offer points or at least a penny or two back for every purchase I make. Usually, I don't even think about the points or coins I'm banking. I act like they're not there until, that is,In case you're not familiar with points, it's a very simple and useful system.
I'm a fan of all these programs and use many of them, and then I wait. The fact is that none of them earn you money or points quickly, and if you're not a patient person, these programs are probably not for you. Also, if you're a little less patient, you can speed up the points and cash back collection by putting things like regularly occurring bills on the cards. Some people put their mortgages on them, which means they get bigger dumps of points or cash back every month.Even though I'm always accumulating points and tiny bits of coin, I usually forget about these rewards and points systems until I go shopping online, usually at Amazon.purchases.
I've been doing this for so long that I had thousands of points on one card. Granted, thousands of points boils down to, if you're lucky, maybe a couple of hundred dollars - points won't make you rich.
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