Bank charges suck!

[judy]

My debit card is also a credit card. There is a fee for using the debit card, so I never use it in that way.

I love the reward points! I have almost enough for another Home Goods/TJ Maxx gift card. I think I already have $75 on cards for them. I also have Home Depot gift cards. I got a whole bunch of fancy light switch plates from HD because I never seem to find anything there to buy.

It is wonderful to be able to pay the credit card in full each month. They say that before you know it, you're in 20 years debt because of the interest charges.

We are all lucky in that sense!