Proud to say that i am a 'transactor' - Banks don't like me haha!
I am able to pay my credit card transactions every month. though sometimes i forget and get charged, that makes me angry :( I should look into getting the bank to put in certain amounts of money into my credit card account every month.

And like the textbook says, i am one of those that is a sucker for the rewards i have 3 credit cards of one which is a supplementary card where i deliberately choose to use my credit card to get the points. Most of the time my points are too little anyway, its not like i have a lot of money to spend.

oh well