backpack™

Tip time and I’m looking for some insights around credit card points.

For 500 degen (first come first serve) 

What card do you use, how much is it annually, what is the interest rate? Bonus if you share how/if you use your points

@backpack put a bank in your pocket and use your money whenever, wherever, however without permission

/backpack
/notdevin
icebreaker.xyz/notdevin

Haha, I don't have a credit card. I don't like to be dominated by expenses
But in China, the credit card rate is 3.6% per year

25 years old Chinese Model Lu Yao 25year https://weibo.com/u/3632794934

3.6% is crazy cheap compared to the states. Is it common to not have a credit card or do most have one in china?