Explain to me what’s the gimmick when I get a money back on all the purchases I make day to day, including negotiating with dealer to put the $14,000 after trade in on card for new car

So, you really think the card giving you money back. It’s feel good, no company can stay in business giving money away. There making money off you or they wouldn’t offer the gimmick.

Do you understand how credit card work they charge the merchants and also make there big money on the huge interest they charge on cards for people who don’t pay there full bill every month

If you don't payoff your credit card every month it is the worst credit ever. Ruins many people.

It depends on your spending pattern. I use a credit card for everything, except restaurants where they take your card into the back room. I don't think many of my purchases would qualify for the 3 percent cash back. So, the 2 percent back on all purchases Fidelity card is the best card I could find, and there is no annual fee.

They can take my card anywhere they want, I’ve never had a problem with card and even if I did your not liable for it .my is no charge either and I’ve never paid any interest on it in the 20 years I’ve had it

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