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10 Reasons to Use Your Credit Card

By Editor Staff 30/11/21


Credit cards usually come with a number of protections that many people don't know they have.

Grace Period

Purchasing with a credit card versus debit, cash or check may be beneficial by allowing your money to remain in the account for an additional time.


Paying with a credit card makes it easier to avoid losses from fraud.

Cash Back

The cash-back credit card is a type of credit card that rewards the buyer with money back on their purchases.

Building Credit

Debit card use doesn't help build credit, so it is not useful for obtaining larger loans or unsecured cards.

Frequent-Flyer Miles

American Airlines was the first airline to offer frequent-flyer miles for using a credit card, giving consumers more ways to earn rewards.

Universal Acceptance

Certain purchases in a hotel or renting a car are more easily completed with a credit card

Rewards Points

Credit cards can be used to buy items at certain places and get points that can then be redeemed for gift cards or different things.

One-Time Bonuses

People with good credit can often get approved for a new credit card that offers bonuses of hundreds or thousands of dollars.

When Not to Use a Credit Card

Paying with credit cards isn't always better than paying with cash, because it means the merchant has to pay a transaction fee.