Credit card points offer little reward

I don't know about the rest of you, but I am accumulating a fortune this holiday season.

No, I am not a retailer, pulling in consumer cash from the sales of my Barbies, fruitcakes, Tickle Me Elmos, power tools and Playstation VIIs.

No, I am not a bell ringer, collecting the nickels and dimes of generous shoppers heading in and out of the mall.

No, I am not an oil company executive, filling up on rising prices (since the minute polls closed on Election Day) for gas and heating oil.

No, I am not the guy who broke into your house, stole the gifts you already bought for your five kids and fenced them in Montreal. Although I know a guy ...

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