good lah, means you not spending unnecessary and saving much more that you can earn from the cash back. If you had read my article RM103 billion Credit and Balance Transfer written back in 2009, I posted a quote where a study reveal that a person having a credit card spend 17% more than a person using cash! For example. tifosi mentioned in Citibank thread that his expenses increase RM200-RM300 because of AMEX Free coffee offer.