| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | credit card usage | finance | Utilizing credit cards for cashback rewards and building credit score | 1 |
| 2 | credit card usage | finance culture | Using credit cards responsibly can build credit and provide valuable benefits such as cashback and rewards points | 1 |
| 3 | credit card usage | financial culture | Promoted for convenience and building credit history | 1 |
| 4 | credit card usage | personal finance | Common and often used for convenience and building credit history | 1 |