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MasterCard

  • 5226 3442 6711 1978
  • 5151 4198 5882 0424
  • 5114 0711 9316 4806
  • 5541 5904 2184 5640
  • 5359 5427 0750 0820

VISA

  • 4532 6184 1077 3376
  • 4024 0071 8906 0121
  • 4716 8636 4692 2383
  • 4716 2405 3236 6811
  • 4616 4802 2996 9102

AMEX

  • 3774 2018 9276 194
  • 3758 3100 5818 112
  • 3770 8806 2363 155
  • 3791 7912 8548 596
  • 3767 8755 8348 965

Discover

  • 6011 5679 1334 0289
  • 6441 7226 5199 5246
  • 6491 7535 1502 9244
  • 6445 1076 4576 3908
  • 6530 3544 4190 3462

Credit Card Perks and Woes

Credit Cards are little plastic bars that help us purchase goods and services without paying money right away. Unlike cash transactions, it helps to keep a track of expenses. You get reward points on shopping that leads to discounts and offers. As long as you are paying your monthly interest, the advantages of owning a credit card are unlimited. However, at the same time, a missed payment or many missed payments can lead to serious trouble.

Consider credit card as your frenemy that helps you fulfill your dreams but would also not mind bringing you down. Let’s take a quick look at certain worth knowing perks and woes of credit cards:

Perks:


Short-term Loan: Credit card acts like a short term loan that you can pay interest for each month and live a comfortable life.

Offers, rewards, rebates and money back: This is where your negotiation skills can help you. Most credit cards give reward points on shopping from particular places which in turn lead to discounts and offers. However, there are other advantages like a 60 day or a 90 day return policy or a gas rebate. Do your homework before settling in for a card and get yourself the best deal available.

Insurance Coverage: Your credit card can provide car rental insurance as well as collision insurance and also trip cancellation coverage. So, if you are booking your travel tickets via credit card and you cancel your trip a few days before due date, your credit card cancels the cancellation charges.

Additional Cards and Warranty: You can get additional cards if you are an existing customer of the credit card company and you can also purchase an extended warranty on your card for free. All you need to do is check with your card issuer.

The perks of using a credit card are many and if you are paying your monthly interest religiously, there is no reason for not spending leisurely. Now, let’s have a look at how credit card can be your enemy.

Woes:


High APR: If your credit card interest rate is too high, it is most probably eating into the discounts or rewards you get through it. The best bet is to check the credit card APR and get rid of the cards that don’t work in your favor.

Missed Payments: If you miss to pay interest for a month or more, it’s going to add up and the late fees will weigh much heavier on your wallet. Be committed and pay your interest each month to save yourself a lot of trouble.

Illegal Credit Card Practices: False promises, non- existent add-ons and features that tempt you to buy a credit card from a store can lead to more debt. Check for the authenticity of the terms offered by your card issuer.

If you are careful while getting a credit card and also while using it, you should be able to use your card to the optimum benefits. You get travel points, you can use it in different countries and you can always download a credit card transaction history to make a personal report about your expenses.

Credit Cards help you save money and you can figure out the money pits in your budget.

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