I was surprised that Thomas F. Schaller didn't mention that some of us who "diligently pay the full monthly balance" on our credit cards receive rewards on some cards that can be redeemed as cash or applied to a balance ("Paper or plastic?" April 16).

There's much more to be said about convenience. Less frequent trips to the bank or the ATM to make sure I have enough cash on hand for any type of purchase suit me just fine.

Garry Reck, Baltimore

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