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Yes credit cards ARE evil for a lot of people, but for those that are diligent with their spending they can save that little bit of interest and possibly get a little reward from reward points.

In this example they are paid on the 1st of the month, hence the $5,000 offset account balance. No cash out on the credit card.

Hi, I always read about people using their credit card to pay for living expenses throughout the month and putting all wages into an offset account to save on interest. I have made a few calculations based on a simple example and wanted to make sure my thinking was right. Example Mr Smith...