credit card

10 Good Reasons to Use Your Credit Card.

There's nothing like an initial bonus opportunity when getting a new credit card. Often times, applicants with good credit or excellent credit can get approved for credit cards.

One-Time Bonuses

The cash-back credit card was first popularized in the United States by Discover, and the idea was simple: Use the card and get 1% of your purchases rebated in the form of cash back.

Cash Back

Credit cards are set up to allow cardholders to earn one or more points per dollar in spending. Many reward credit cards provide bonus points for certain categories of spending.

Rewards Points

This perk predates almost all the rest. Back in the early 1980s, American Airlines began offering their consumers a novel way to earn frequent-flyer miles.

Frequent-Flyer Miles

Paying with a credit card makes it easier to avoid losses from fraud. When your debit card is used by a thief, the money is missing from your account instantly.


Say you hire a tile setter to set some flooring in your entryway. Workers spend the weekend cutting, measuring, grouting, placing the spacers and tiles.

Keeping Vendors Honest

When you make a debit card purchase, your money is gone right away. When you make a credit card purchase, your money remains in your checking account until you pay your credit card bill.

Grace Period

Most credit cards automatically come with a number of consumer protections that people don't even realize they have, such as rental car insurance and etc.


Certain purchases are difficult to make with a debit card. When you want to rent a car or stay in a hotel room, you almost certainly have an easier time if you have a credit card.

Universal Acceptance

You have no credit & trying to improve your credit score, using a credit card responsibly will help because credit card companies will report your payment activity to the credit bureaus

Building Credit


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