 It's 815. I'm Luke Lugrin. Thanks for being with us. It can be tempting to throw down your credit card to pay for things because of the points and rewards that you can gain. But when it comes to big monthly payments like your rent or car insurance, using credit cards to pay can come with some huge fees. Katherine Hamilton, Wall Street Journal Finance Reporting Fellow, joined WTOP's Sean and Anne to talk about the rise of the credit card in American life.