EVERYONE'S EXPERIENCES ARE DIFFERENT. No one has the same goals or aspiration with cards. Some forum users rebuild, some have built. Other chase SUB's, points, and miles and have fun doing it. Others want Balance transfer to put large purchases and get discounts while at it. SOme just use credit cards as an instrument to pay for goods and services and could care less for rewards or status(like most businesses). example, my last company had a custom card(logo and reward system) with BOA and employees put procurement and travel expenses on it and we would put several thousands past the limit on them since it was paid off monthly.