10 Reasons To Own A Credit Card

Top 10 reasons to own a credit card

1. It’s safer then cash. If you use only cash you must carry it around all the time, lose it and you’re out of luck. But, lose a credit card and you will be out very little if anything because your card is protected and can be cancelled with a simple phone call.
2. They help you establish credit. Everyone needs credit to buy a house or a car or even to get a mobile phone. A credit card is the first and one of the easiest ways to get it.
3. You can profit from them. It’s true, by taking advantage of valuable rewards programs you can earn points for airline tickets, petrol, shopping and a host of other things. There are no rewards programs for using cash.
4. Credit card companies have your back when it comes to returning items. If you need to return something that was defective your credit card company will often retract the payment if the store or manufacturer refuses to do so.
5. You can use them worldwide. When you travel with a credit card you never have to worry about switching your currency, one of the biggest reasons to own a credit card is they are accepted all over the world.
6. Credit cards make online shopping a whole lot easier. Yes, you can use PayPal with some online stores, but most only take standard credit cards.
7. In an emergency, you will be glad you have one. Even if you have piles of cash sitting in the bank or tucked under your mattress, if it is not in your pocket in an emergency you might as well have nothing. A credit card can help you out of a tight spot and can be in your wallet all of the time.
8. You need them to make reservations and pay deposits. Flights, accommodations, and cars all require you to make a reservation and pay a hefty deposit and none can be done with cash.
9. When you buy big ticket items or electronics you get an extended warranty. Most credit cards offer an extended warranty past that of the manufacturer when you use your card to purchase these items. A free perk that you won’t get with cash.
10. Tracking your expenses is easy. Spend all you want and at the end of the month you’ll get a statement with it all broken down for you, nice and neat.

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%