Everyone's guide to understanding credit cards. In Full Color. Credit cards is a game where the rules are only known to the seller of credit cards. It is the only game where the rich and the poor, all lose because we all end up paying through the nose for: 1. Owning cards 2. Getting rewards 3. Making 'minimum acceptable payments' On top of it all, all these benefits and features are marketed so that you feel privileged in owning the card and paying all these costs. Credit cards are a convenience. But very soon they become a curse. It is a tool the proper use of which must be learnt if you don't want to be at the receiving end of every trick and trap that people fall into. Work for a living. Not for paying credit card bills.