If you don't use credit cards you fail at life.

There are credit cards that give you 2% cash back.

This means that every purchase you make, from anywhere, has a 2% discount.

If you buy $200 on Christmas presents using cash or a debit card, that's four $1 bills that you just ripped up and threw in the toilet.

Here's a credit card crash course:

Most mileage cards aren't for you. Unless you fly every month, you're getting screwed.