Credit-card use earns rewards, but it encourages extra spending too
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New York
NINA Falcone has given up on cash. Whenever and wherever possible, even at the vending machines in her building in Chicago, the 25-year-old marketer uses her Southwest Airlines Rapid Rewards card to collect points she says she uses for plane tickets to visit her family in California.
Ms Falcone carefully follows the advice from consumer advocates and does not carry a balance from month to month or pay humongous interest charges.
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