Know the right credit card for you
Security and convenience are just some of the benefits of having a credit card. In these times when carrying a considerable amount of cash is getting quite risky, it is becoming safer and more popular to carry this piece of plastic instead. If you don’t have one yet and you feel like you need to get one, it would help if you have a pretty good idea about what credit card is right for you.
You need to decide what you’re getting a credit card for so you could maximize the benefits. Do you intend it to maximize your own business? To finance your education? To avail of airline rewards? For gas rewards? So on. Whatever your intention is, don’t just jump right into the bandwagon of getting a credit card just because everybody seems to have one. Check first what your needs are. For instance, if you drive everyday, a credit card that gives you gas rewards could benefit you the most. Or get an Airline Rewards Credit Card if you’re a frequent traveler.
A lot of people still veer away from credit cards for fear of overspending and raising their credit obligations up to their neck. On the other hand, a lot of people also think credit cards are a saving grace in times of need especially during an emergency. In the end, it boils down to being responsible in handling one’s finances.
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April 13th, 2009 11:12 am
Hi femme, thanks for your comment. I really appreciate you visiting my site… I have been out for long because i went somewhere for a vacation and to unwind a little…
God bless… 
April 13th, 2009 6:36 pm
When we moved from NY to Florida, I was very grateful we had one. Now I wish we could get rid of it lol. We are sensible with them, it is just so easy to use them.
April 13th, 2009 7:30 pm
I agree that a credit card can sometimes be a saving grace in times of emergency. We just have to use this piece of plastic responsibly especially in times of crisis.
April 14th, 2009 5:00 am
I haven’t had one for many years and I am so glad I do not have the payments.
April 14th, 2009 11:58 am
i actually think credit card gives me some money back, i really don’t use them for credit, but i use them to purchase anything that allows its use and pay in full every month, then, i get the cash back without paying interest nor any maintenance fee, i feel like i am gaining some money from them
compared to carrying and paying in cash or debit card.
April 15th, 2009 9:03 am
I always make sure that my card will give me something in return, i.e travel points, cash back etc… There is just so many choices out there, it’s great to have somewhere where you can compare benefits. Thanks.