There is also the longterm, dare I say moral, issue too.

When you use your credit card you (the credit card company) are creating money from nothing. The money is borrowed into existence, devaluing the current money, making all the existing money worth less.

So you may be getting a reward for using it but it also makes your (everyones) existing money and all the money in the future worth less.

The banking industry will NEVER give you money for nothing and allways find ways to makeyou pay for it.

With the way money currently works. When you use credit in any form you are taking value from EVERYONE else except the bankers.