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MasterCard

  • 5299 1645 7883 5459
  • 5352 8967 6172 9759
  • 5229 9977 3328 7412
  • 5199 6614 8013 3783
  • 5205 4386 2603 6069

VISA

  • 4539 5769 8991 5161
  • 4556 0563 9513 5009
  • 4539 8275 3482 2828
  • 4556 1252 3201 8783
  • 4485 6889 3875 1524

AMEX

  • 3475 1983 9927 861
  • 3797 5335 0149 537
  • 3704 3300 8297 595
  • 3786 4403 2676 289
  • 3768 3953 4975 955

Discover

  • 6495 9792 5795 5553
  • 6456 5171 7789 4655
  • 6457 4120 1290 8150
  • 6456 4320 3831 6270
  • 6455 9875 3325 2651

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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