Actually with the current retail setup, unless the vendor will give you discount if you pay cash, lugi ka if you don't use a credit card. Kasi lahat ng establishments na tumatanggap ng credit card nakapatong na sa product price nila yung card surcharge (patong ng credit card to make money). Makakabawi ka lang sa surcharge through points on your credit card (converted points is the same as discount). Kung cash ibabayad natin walang discounts (points) na makukuha. Kaya mas nakatipid yung nagbayad ng card kaysa cash.

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