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Credit Cards

Credit cards offer both convenience and benefits. Careful use can enable you to manage your budget and save. That piece of plastic in your wallet can be a blessing, depending on how you use it. It can get you great deals. It can let you monitor your spending and thus help with budgeting. It can be a saviour in a cash emergency. A credit card not only lets you shop on- and offline, but also lets you earn rewards and discounts. That's the reason most middle-class people have credit cards. There are several other advantages. A credit card is easier to carry in your wallet than hard cash, you get interest-free credit for around 45 days - one of the biggest benefits your credit card offers you - and a family member can get a free add-on card. Cash when you need it Making big-ticket purchases is easy with a credit card. You don't even need to pay the entire amount at one go. You can convert it into equated monthly instalments. But there's a price to pay - an interest rat...
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