<p>Yeah you can let the investors do the work, but obviously they’ll get a cut of the pie. 'Tis the way the world works… the more work you do the more you get.</p>
<p>And Yau’s example is a good one for where credit cards are helpful. Oftentimes something like a car rental agency or book rentals require a credit card because they put a temporary hold on the card for some amount of money (let’s say $500). Now with a credit card, that money isn’t actually gone. It does affect your spending limit, but it doesn’t take away any buying power from you. If you used a debit card, that $500 actually would eat into your usable money. </p>
<p>@Yau are you former military or related to one? Or are you civilian? I’m checking out USAA and I’ve heard great things about them from military/family customers but I recall a few civilians saying they don’t get as good customer service.</p>