LEVERAGING YOUR CREDIT CARD REWARDS Having a shiny, new credit card in your pocketbook for the sole purpose of reaching the spending goal in order to get the cash back is not a solid strategy. One of the most difficult parts to master is the stopping of the shopping. Think about it: There is a reason that stores give out gift receipts: So you go to the store to return a gift and leave the store having spent a few extra dollars. So you must learn to only shop as much as you budgeted for, and stick to it. Using credit cards as a financial tool takes practice and restraint, but if used strategically, you can make them work to your advantage.