Here is something you already knew.

A new study says 54 percent of Americans find frequent-flyer programs confusing. And 44 percent say credit card rewards programs are dumbfounding, while 47 percent think hotel loyalty programs are difficult to understand, according to a study by NextAdvisor.

“What’s concerning is that many Americans don’t even know how many miles, rewards or points they have accumulated,” says NextAdvisor.

And why does that surprise anyone? These programs have instructions as complicated as the fine print on your medicine bottles. If you understood how the programs work, you probably wouldn’t join.

I switch cards whenever there’s a good offer. Then, I use up the points on a flight or something else and cancel the card.

You need to have good credit to do it, but it’s fun to use up the freebies before you start having to pay an annual fee on the card.

We get everything else from China, so why not some wisdom, via a recent fortune cookie I got? “Success is when you get what you want. Happiness is when you want what you get.”