Want even more credit card numbers? Generate Credit Cards

MasterCard

  • 5410 9378 5879 0815 5410 9378 5879 0815, CVC2:667, 04/29
  • 5325 5018 1068 9749 5325 5018 1068 9749, CVC2:427, 01/29
  • 5224 3414 7654 7523 5224 3414 7654 7523, CVC2:860, 04/29
  • 5129 6568 2635 8818 5129 6568 2635 8818, CVC2:758, 10/29
  • 5286 9262 7539 3304 5286 9262 7539 3304, CVC2:789, 12/30

VISA

  • 4539 6559 8546 3531 4539 6559 8546 3531, CVV2:875, 09/29
  • 4532 5597 3751 2495 4532 5597 3751 2495, CVV2:197, 04/30
  • 4929 3661 5017 2448 4929 3661 5017 2448, CVV2:459, 08/28
  • 4556 1231 1050 3224 4556 1231 1050 3224, CVV2:662, 06/29
  • 4716 3637 6486 5258 4716 3637 6486 5258, CVV2:063, 02/29

AMEX

  • 3748 8888 7386 577 3748 8888 7386 577, CID:1627, 01/29
  • 3777 7782 2453 682 3777 7782 2453 682, CID:5891, 04/30
  • 3714 1232 9655 177 3714 1232 9655 177, CID:9555, 07/27
  • 3729 3132 2584 844 3729 3132 2584 844, CID:6433, 08/30
  • 3436 3746 0644 169 3436 3746 0644 169, CID:5981, 06/30

Discover

  • 6459 6808 1013 0536 6459 6808 1013 0536, CID:030, 05/29
  • 6473 1470 2601 0821 6473 1470 2601 0821, CID:395, 03/28
  • 6533 9411 9174 5155 6533 9411 9174 5155, CID:095, 01/27
  • 6449 2416 2840 2758 6449 2416 2840 2758, CID:203, 02/30
  • 6442 3284 8560 2229 6442 3284 8560 2229, CID:059, 10/28

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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