Credit cards open a window of opportunities!
Sure money can buy everything, but so can a tiny plastic that fits right in your wallet.
Credit cards are probably the most useful piece of plastic that you can find in your stash.
When money or an ATM is not available, when you have your credit card all you need to do is look for a “visa” or “mastercard” logo at any merchandise and you’re good to go!
Imagine wanting to get the lovely dress on sale but pay day is still a good two weeks? When you have your credit card, you can get the dress in time for the sale.
You can worry about the payment later, because you will get charged for your purchases usually 1 month after. You would have to enquire about the billing cycle with your credit card company. But either way, you should have just enough time to settle your bills!
Right now more and more establishments are accepting credit cards as their mode of payment. The convenience of not having to carry a stash of money with you all the time, you can simply carry this tiny plastic and you have the power at the tip of your fingers.
Especially now with the internet generation, a lot of great items and awesome discounts can only be brought online! Online purchases do not transact with cash, and this is where credit cards come just at the right time!
Credit cards also offer a lot of payment terms for you to settle your bills conveniently.
Right now, 0% interests are the “in” deal. This is where you make a pretty big purchase, and you stretch the payment up to 12 months. In those 12 months, you will be paying equal amounts until the bill gets settled. This is usually done by people who needed, say for example a laptop, but do not have enough funds ready to make the purchase.
How it works is if the laptop is part of the “0% interest” promo, then the credit card will be swiped for the full amount. Your credit card company will be paying the merchant the full amount. However, you will be paying the credit company spread out in 3 months, 6 months or a max of 12 months, whatever will work for you.
If you’re thinking of your next big purchase, you might want to consider applying for a credit card first and you’ll open a window of opportunities!
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