You'd be amazed at the very employed folks that spend time each week learning about credit cards and taking advantage of perks, on top of other things that will allow them to live a lifestyle they want. As a bonus, they get a happy boost when they get a good deal.

This is just paying attention to how you spend your money and being informed about the choices you make. If you are going to get a credit card, you might as well both know what you are getting into and get the best thing for you that you can. Kinda like any other loan contract (after all, credit cards are a short-term loan).