There are lots of pros and cons of having a credit card. But all risks and downsides that a credit card may have are outweighed by its benefits. The main purpose of a credit card it to provide you with credit. If you own and use a credit card you will be able to access credit quickly in case of emergency.
Credit card won’t be a burden for you if you use it properly, that is borrowing amounts you can afford to pay off right away. Follow this method and you will never get into trouble by using your credit card.
Except credit line there are some other reasons you may need a credit card. The first and the most important is you can improve your credit history and credit score. If you have good credit history it will be easier to take, for example, a car loan. Also credit card is necessary when you buy something on-line or book a hotel room or airline ticket. Next are rental cars. You may freely rent a car with your credit card and pay less ‘cause credit card issuers offer additional services and protections for car rentals.
Also you can see all the transactions you made with credit card. This will give you the possibility to track all your spendings and make the budget accordingly.
These are just a part of all benefits you can get with a credit card. As long as you treat your credit wisely, you will never get into trouble and enjoy the benefits cards offer.
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[Friday, August 24th, 2012]See also
