How frustrating it is? The thing that you want to buy just within your grab but you can't bring it home. And it happens every time when you came back to the mall, because you already have money, you can no longer find it because it is already sold out or the price is not the same anymore because they are no longer in sale.
You can stop this from happening to you again. That is why some generous banks offer credit cards. If you don't have one just visit your nearest bank and inquire how to have one. Here is some list why it's good to have a credit card.
1. Purchasing online will be easy.
Have you try to shop online? If you are one of the billions of people who surf online everyday chances are you see so many offered product online. But one thing is most common to those online offered products or services, they only accept payment thru credit card. Though there some option but most of the time the only convenient way to pay it is thru credit card. The best thing if you pay thru credit card is that some company offer a discount or in some cases your credit card company does not charge you any monthly interest. Airline tickets are less expensive if you purchase them in advance so try to plan your vacation a head and use your credit card. But make sure read all the details before you click purchase.
2. Convenient.
You can use your credit card anywhere. You don't have the hassle of bringing tons of cash with you; just a swipe on your card and all will be paid. Make sure though that you will have enough balance on your card before making any purchase. You can also make an automatic monthly payment of your insurance, your cable, your subscription and more using your credit card. That would be less hassle for you rather than going to the banks or some payment centers where the line is long. You save a lot of time to do something else.
3. Emergency.
We know there are something's in life happens at an unexpected moment. Especially when it comes to your own health or you're family member's health. We know the burden of looking for friends or relatives to help you out. When cash is urgently needed and you have none or your bank is not open that would be a nightmare. Credit card can be your best help. You will have a ready source of payment if there is an emergency. I hope though that you won't use your credit card for this reason. Strive to be healthy everyday.
4. You can tract your expenses.
Every month your credit card company will sent you billing statements. This will help you look back at the expenses you made for the one month period. Bills are our obligations we need to pay. But look at bills this way. You can tract your expenses and therefore you can adjust your spending habits if you see something you don't like. You can also check back if you spend wisely or not. The good thing about credit also if you don't have enough amount to pay for your bill this month you can just pay the minimum amount then pay the rest of it later. Although, I will not recommend it because, balances that are not paid on time will earn interest. Just in case your salary or your sales commission does not arrived on time you pay your bills later. But make sure you will pay them, it will be good for your credit score.
5. Protection from fraud and theft.
Have you heard news about credit card fraud? Yes there are people victimizing credit card holders The good news is credit card companies are spending millions of money to counter this kind of activities to protect their customers. Card holders should be aware about this to protect you and not be a victim of these scumbags.In the event your card get lost or stolen it is better to call your bank immediately so they can block your card. Make sure that your credit card will not leave your sight when you make some payment. This is your card be aware where it was swipe and when. Also you can call your credit card companies and make an arrangement with them that if you see some purchases above, for example 200 dollars a day, for them to contact you. In that way, you are protecting yourself about sudden rush to spend, someone reminded you of your big purchase, and it also give you protection from fraud and that the one who purchase is really you not somebody else.
This is just some tips for you to have some peace of mind owning a credit card.
I will recommend though to those who don't have credit card yet to choose credit card companies that have good reputation. You can scout them all over the place and see who offer more perks, less interest, no annual fees and more before deciding to get one. Ultimately the deciding factor is you. You can get credit card but also be discipline in using them. Credit card is your friend, use it wisely. So apply one now and experience the benefits your credit card can give you.
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