Learn about the pros and cons of credit cards, so you can use them to your advantage.
Credit cards let you borrow money from a bank under the agreement that you'll repay it by your bill's due date or incur interest charges.
The ability to buy now and pay later outmatches other forms of payment, such as debit cards or cash, which both require you to have the money available for payment at the time of purchase. In addition to having more flexibility with payments, credit cards help you to establish a credit score so you can qualify for other financial products, such as loans and mortgages.
There also can be some monetary perks to having a credit card, where cardholders can earn rewards on every purchase, which can be later cashed in for travel, statement credits and more. Some credit cards also offer intro interest-free periods. And with laws like the CARD Act and Fair Credit Billing Act that help regulate the industry and provide higher levels of protection against fraudulent purchases, credit cards are more secure compared to other payment methods.reviews the pros and cons of credit cards, how they work, common terms and types of cards, so you can start using credit cards to your advantage.
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