Credit Cards make you nervous?
Here are a few ways in which that little piece of plastic can be a faithful companion:
1) Buying something you CAN afford.
Salary isn’t due for a couple of weeks but that camera you wanted is on SALE – use your credit card! Just pay off the entire amount before the due date on your card. It’s like money in your pocket!
2) Reward Points.
If you dine, fly, shop or even refuel a lot – consider using a credit card. Find a card that suits your needs and earn points. These points can be redeemed and will earn you awesome rewards. Again, pay off the entire amount due on your card every month. It’s just like using your debit card – only better!
Quite a few of us use credit cards in this capacity. You never know when you might need to fly off to a friend’s wedding or have a medical emergency (god forbid). If you don’t have savings to dip into, a credit card might just bail you out!
4) Interest Free Purchases.
Quite a few banks offer 0% interest on purchases done with their respective cards. In short, you buy something you’ve always wanted, bear the cost over a period of time in equated monthly installments and don’t burn a hole in your pocket. The best part – you don’t pay anything extra. Major win!
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Conditions apply. Credit is at the sole discretion of the bank.