Credit card companies use cash-back offers to lure you in and encourage you to spend more—because you’ll get something out of it in the end, or so you tell yourself. When you use a credit card, you have no real idea of how much you’re spending in the moment—because you get the bill later. 52% of people don’t pay off their balances each month and get slapped with interest payments. You know a great way to avoid paying interest? Paying with cash or debit cards! You can buy what you need, without w