MT Focus - How to use credit cards effectively

Feel free to file this one away for later…

I’ve had a credit card since I was 18.

The fact that you can use it to take advantage of between 45 to 59 days of interest free credit just seemed like a no-brainer to me. And when they give you cashback or other rewards on top of that? Well, it’s almost too good to be true.

But the reality is, for some, credit c…