The society we live in today makes it more and more difficult to manage without a creditcard account. We are told that it is the safest way to buy things over the internet or abroad as purchases are often covered by insurance. We can use it to manage our budgets as there are several weeks between buying the goods and being charged interest on our purchases.
We are constantly bombarded with advertisements telling us that one particular creditcard account is better than another. The number of different cards available is bewildering. All of them have benefits and, if they are used wisely they are a convenient addition to your banking facilities.
I say “wisely” with caution. It is easy to forget how much you are spending on a creditcard and then find that you can’t pay the whole of the sum back when the statement comes in. The trouble is, the more you get into debt, the more difficult it is to pay back, what with interest and card protection sums on top of the balance. Some creditcard accounts make an annual charge just for using them! Therefore, the best thing to do is to pay it back as quickly as you can.
If you are organised...
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