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MasterCard

  • 5400 7684 9085 9276
  • 5421 6876 6339 4827
  • 5285 5264 6252 6384
  • 5535 0773 7952 7378
  • 5401 8917 4526 8488

VISA

  • 4916 9102 3670 3844
  • 4827 3123 6698 5291
  • 4716 5941 5586 2286
  • 4929 2617 5351 3710
  • 4024 0071 1057 5056

AMEX

  • 3478 1537 2131 451
  • 3470 1011 0131 167
  • 3482 7953 6277 008
  • 3434 1225 0999 904
  • 3753 7835 3741 520

Discover

  • 6498 0216 3596 2121
  • 6446 7148 0020 6521
  • 6460 9362 3946 4113
  • 6011 2794 7390 7347
  • 6494 5120 6501 9139

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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