The credit industry's jargon for someone who pays his or her bill in full every month is "a deadbeat."
Good for me, the deadbeat dad.
I get it. I have no annual fees, and I use the card for all the points (plus, I'm snobby to them when they, on great occasion, call). I use the points too. I buy coffee for $1.63 for the points (that's two points!).
They must hate me.
