Lol I must be lucky and only ever use the 5% then. Only fees you see now are Amex and those are only really in smaller retailers. Most annual fees are waived first year and like mine I get annual fees waived with my mortgage.
Used correctly a cc can offset your monthly living costs for a month against your mortgage and you get perks like free insurance travel insurance price matching points flights
But ok rattle on about afterpay
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