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<p>[QUOTE=&quot;Hommer, post: 3454003, member: 73266&quot;]It actually leads to more waste. No retailer can operate without profit. It may appear that you are saving money, or even getting money back, but what it boils down to is a gimmick to get you to spend more. The money you think that you are getting back, is actually your money that they used all year for free.</p><p><br /></p><p>Edit to add: The reason there are more and more banks popping up every year is the profits they rake in. They same reason drug stores are on every corner.[/QUOTE]</p><p><br /></p>

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