While these are counted as good advice in accordance with a person's situation, but in this post, I am adopting a different approach to address that same issue of unbalanced usage of credit cards.

For this, I want to wholeheartedly thank those countless people who are responsible for reckless usage of their card. Yes, a big thanks to all of you.

These people are helping credit card issuers to fill their pockets with huge profits, or else we would "All" be obligated to paying higher interest rates and annual fees. Our favorites, like airline miles or cash back rebates, would be virtually fictional.

By thanking you again, I am literally pointing towards the fact that how serious I am in doing so! Let's see what I actually mean by this.

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