GOLDEN DAYS: Credit-card issuers have been showering rich offers of points, miles and cash back on consumers for about the past year and a half in the quest to boost revenue and profit.
DON'T CHASE REWARDS: Avoid the tendency to buy things you wouldn't otherwise, just to get the rewards. And steer clear of rewards cards if you carry a balance.
INNOVATIVE OFFERS: Watch for lucrative sign-up bonuses and creative perks being offered by banks to coax suddenly credit-cautious consumers into using their cards, such as exclusive access to concerts and celebrities.
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