This is a guest post from Mr Credit Card. Today, he is going to write a guest post about ROI on credit cards (which I guess fits the theme of my blog).

Credit cards are like knives. You can hurt yourself with them, or they can be great tools. Today, I’m going to talk about how to increase your “ROI” on your credit card use. But first, let’s talk the how your credit card ROI is correlated with how you use your card.

Negative ROI – If you carry a balance on your credit card, then your use of credit card is a negative ROI. That is because you are paying interest. If all you are paying in the minimum payments, you’ll experience a negative ROI for many years!