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I know how credit card companies make money, how interest rates work and how to find the best credit cards.

As I’ve discussed before, I’ve learned from experience how devastating credit card debt can be and how to make good ones work to my advantage. Today I want to explore the mechanics of credit cards – a little about their history, who assumes the risk, how they actually work, what’s on the horizon for credit cards, and what place credit cards could or perhaps, should have in your future.

I'm the founder of Frugal Rules, a Dad, husband and veteran of the financial services industry.

This is not to say that you have to or should use them in this fashion, but credit cards do provide a justifiable way to stretch your budget…assuming you’re not using it to overextend your lifestyle.Swiping a credit card, is so simple, that it’s easy to be ignorant about the complex series of processes that occur between you swiping your credit card and the merchant whose goods you purchased getting paid.Here’s what that process entails: So, as you can see, it is complex.Canada's favourite musical comedy duo, Bowser & Blue, is appearing to help us celebrate the freedom of the Snowbird Lifestyle, and joining them will be Cape Breton balladeer Tom Leadbeater and Canada's Ambassador of Good Cheer, Jimmy Flynn.FREE Shows - Snowbird Lifestyle Presentations - Dear Snowbirds, Canada's favourite musical comedy duo, Bowser & Blue, is appearing to help us celebrate the freedom of the Snowbird....Many of the best credit cards out there offer rewards like free cash, gift cards and travel points that you can redeem for airplane tickets, hotel rooms and even cruises. Frugal Rules has written numerous times about how we use credit card rewards to travel for free.

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