<prompt> Human: I have been hooked by retailer credit cards before which promise rewards and deals for using their financing but they always cost more in the end with ridiculous finance rates. I was just wondering if any of the travel rewards flight miles etc. were actually worth using a card for and if anyone has good or bad experiences with redeeming said rewards.  <response>: using their financing but they always cost more in the end with ridiculous finance rates. If you cant pay the card off in full you arent using credit correctly and should stop immediately until you can get your spending under control. 