The majority of credit card (bankcard) holders say they pay off their credit card balance all or most of the time. These responsible souls use credit cards as a convenient way to track their spending and to make purchases without having to come up with cash, or go to the trouble of writing a cheque. For these card users, the interest rate on a credit card may be incidental. Of more importance might be the size of the annual fee and the special features associated with the card.