Larry Wood, professor of finance at the University of Calgary, said: “People will have the cash to buy an item but put it on their credit card to get the rewards or points, thinking they will use the cash to pay it off at the end of the month.
لكنهم ينفقون المال النقدي ،‏ فيقع عليهم عبء تسديد دَين بطاقة الائتمان » .‏