How can I use my credit card's benefits without the credit card companies making any profit?

the answers above say it right on. the slave cards consider u a DeadBeat because u pay your bill on time and in full. now any purchases u do create profit for the salve cards through the merchant. use CASH and you get more benefits than u know. visit daveramsey.com to learn what they pray u never ever learn or worse APPLY.

As long as you pay in full every month before your grace period is up it will cost you nothing to use the benefits. For every consumer that does this there are tons who carry a balance. The benefits are nothing more than a sales pitch. So what if they lose a little bit of money on you. Thousands of other consumers are paying dearly.

Credit card companies do like people who pay off their bills in full at the end of each month because they do not make any money on them. They are counting on you to pay the mininum amount due and by paying that amount they will be making money by earining interest from you. So if you really want the best benefit pay your bill in full each month and save money.

The only way you can limit the profit the credit card companies make is not to use them. When you use the card the merchant you buy from pays a fee. that is out of your control. Believe you me when I say you can not outsmart these people. If you try anything fraudulent they will prosecute you to the fullest extent of the law and then some. Even asking this question could be construed as fraud foreknowledge.

You can't. As was said before, merchants pay anywhere from 2 to 3 percent per transaction. Even more for reward cards and American Express. So even if you don't pay interest they make easy money.

It really is incredible when it comes to the various possibilities of how you can benefit from a cash back credit card. Here are a few things you need to look for when you choose yours. The first thing you need to know about cash back credit cards is that some of them come with incentives. Some of these could be pretty good so you may want to start by looking at them. A couple of them will give you as many as 10,000 points which will go toward whatever the focus is of that credit card (air miles, hotels, etc.). If one of these will best suit your needs, then you would want to look at that particular card a little further. The next thing you want to consider is the interest rate. This can vary anywhere from about 7.99% up to 18.24%. Normally, this interest rate does not go into effect until the introductory period runs out - but it will eventually. So, if you allow balances to remain on your credit card, you will want to choose one with as low an interest rate as you can. read more at: http://www.card-gallery.com/article/109,Getting_The_Most_Benefits_From_Your_Cash_Back_Credit_Card

Yes you will. Even if you are a "transactor" and pay off your card bills at the end of each months for the rest of your life, companies will still make a small profit - its called "interchange". When you buy a $100 item - the merchant gets only about $98.00 - 98.50 - the balance of $1.50 - $2.00 goes to the bank - so they make a profit from you through the merchant. Obviously they will make more if you "revolve" and pay interest - but they have others that will do this - so don't worry!

The sole purpose of credit cards is to make money off the person using it. A good way to minimize this is to pay the balance off in full each month.

i pay in full every 21 days. i collect free bonus points. i get extra frequent fl yer points. and i get rebates. I only charge 25 percent of card and pay in full before charges. takes discipline