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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

Get even more information on credit cards? Read our Credit Card eZine. The section is regularly updated by our specialists. Learn all the financial tricks. Know the pitfalls and hidden bonuses. Find out how to transfer balances and accumulate points. We will tell you about the latest offers on the market.Get your credit card education and make the most out of your plastic.

Here’s Why The Smartest People Use Credit Cards Instead of Cash

[April 22nd, 2017]

There’s a stubborn belief among certain groups of people that says it’s foolish to use credit cards – that cash is the best and only way to pay for things, if you’re a financially responsible sort of person.

But this belief is not only wrong-headed; it could cost you money. The fear of credit is an old-fashioned one. Many of our grandparents, and certainly our great-grandparents, were mistrustful of credit cards, viewing them as ways for folks to buy things they couldn’t afford, and traps that would lead people into debt they could not get out of. They believed that you should only spend the money that was actually in your pocket – or at least, your bank account.

As credit cards have become more commonplace, and nearly every household has at least one, and more likely two, three, or even four, that old suspicious attitude toward credit has largely abated. But there’s a lingering feeling some people have, that if they were more fiscally savvy, they would operate on a cash-only basis.

Here’s why that’s wrong, and why, in fact, the smartest people prefer using credit cards to cash.

Credit cards allow you to manage your funds better. When you pay for things with a credit card, you’re provided with a statement at the end of each payment cycle. That statement tells you exactly how much you spent, and where you spent it. Many credit card issuers offer a wealth of online tools to help you analyze your spending, arranging it into categories for you and giving you insight into how you’re managing your money.
Credit cards offer purchase protection. If you pay for something with cash, and it gets broken, stolen, or lost, you may well be out of luck. But if you pay with a credit card, chances are you’ll be covered by a purchase guarantee benefit, depending on which card you used.
Credit cards offer rewards. If you’re not already taking advantage of credit card rewards programs, you’d be surprised how much value they really do offer. You can earn hundreds of dollars worth of gift cards, free round-trip domestic flights, and free hotel stays, among many other things. Not taking advantage of this is like turning down free money.

If you don’t have a credit card, or don’t use your very often out of fear that it’s not the responsible thing to do, put your worries aside and embrace the power of credit. The smartest people are already doing so.

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