Consumer advocate and credit card expert Beverly Harzog of Atlanta has another concern. If the app is used to determine which card to use to maximize rewards, that's fine, she says, "But I worry it might encourage excess spending because of the rewards involved."Getting 5 percent cash back is a nice bonus, but only if it's something you really need to buy anyway. Five percent of a $250 item ($12.50) you didn't need or will regret buying later isn't going to get you very far and you're still out $237.50.
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