One thing that I want to point out (that is probably obvious), is that a lot of us people (I don't know how to better phrase that to mean people in my situation?), have a hard time getting the credit card with the specific awards. We are able to get certain types of credit cards (usually higher interest rates, etc., even with good credit) but the ones that seem more adventageous, I have not heard of most of my friends being able to get those types of cards.
I sometimes feel like it is one of those barriers to equal access and the cycle of poverty---i.e., poor people cannot get credit for tough times, etc.
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