<prompt> Human: PF, I have kinda the opposite problem that people generally have here. My father-in-law HATES credit cards, loans, and debt. He is old school and regardless of how many times we told him that credit cards used correctly are not bad, he still thinks they are evil. He and MIL have one checking account joint, one savings account and one credit card which BofA talked them into 15 years ago. They kept buying things like one Starbucks coffee a month on that card to keep it open but thats it. They never had any loans, not even for their house. Their scores are in the 800s. The thing is, they spend thousands and thousands per month using their debit card, which does not yield any benefits. Their monthly spending is somewhere between 6k to 10k and can you imagine the cashbackpoints for that?! They seemed excited when we told them about the cards with travel rewards and bonus points but five minutes later they went back into the nah, there is no way you get those things without any caveats. Nobody gives you anything for free. sigh. I should also say that they were born in Europe and lived there until their 30s and this is where they learned 1 always spend money you have on hand, 2 never get in debt, 3 nobody gives you anything for free. These are great life principles that me and my husband follow as well, but we use credit cards and maximize our rewards. I guess my question is: Is there any other option? Could they maximize their spending somehow? I also explained that debit cards are really unsafe in terms of theft, fraudulent charges, etc. but no success. Thanks!  <response>: Have they asked for your advice? If not, stay out of it. Nobody appreciates unsolicited advice.And besides, if theyre living comfortably right now, who cares if theyre not optimizing? 