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Yeah, there's *** new survey out from credit cards dot com. It's fascinating. 23% of us did not redeem our credit card rewards this past year. Why leave money on the table? You ask. Well, out of those who didn't 51%, the majority said they were waiting for *** specific opportunity to use the rewards. 23% said they didn't think the rewards were worth redeeming due to low value. And 11% of you said they just don't know how the rest had *** variety of reasons, but using them is like your own secret way to battle inflation. And like I said, it's keeping money on the table when you don't use them. So here are *** couple of tips on how to maximize your rewards and make it work for you first check for *** limited time offer. Sometimes your credit card company will run an offer that elevates your rewards. Like giving you more cash back or more points on things you're doing anyway, like buying groceries, gas or food delivery. So make sure you're signed up for the marketing emails from your credit card company. I know they inundate you but see if there's *** way that you can just get the ones where you're getting the offers from them. Second, if you have multiple cards with the same company, you can probably combine points, combine all the cards together. So no matter what card you're using, it's going into *** pool of rewards. So it gets bigger check to see if that's possible under their terms and conditions. And finally, if you're looking for *** new credit card, look around and choose the one that has the benefits you actually need. For example, if you're traveling *** lot this year, find the card that gives you the most airline miles and hotel points. If you want to get cash back, look for *** credit card that offers *** really big sign up bonus and make sure it's actual cash back, not just points. I'm gonna put all these tips and more on my website, Ross and reports dot com and we hope it helps.