Should I Use My Credit Card for Everything?

Many people now carry very little cash. Instead, they use their credit cards for all of their purchases. 但这是个好主意吗?

只是可能是. 信用卡比现金安全, 他们提供特殊津贴, and you’re protected if your card is ever lost or stolen. The following are several advantages to using your credit card for all of your purchases. 

信用卡 Are Universally Accepted

Nearly all businesses accept credit cards, even very small businesses thanks to modern technology. Many vendors use small card readers that attach to smartphones. This allows them to complete credit card transactions even when they are away from their places of business. 

它可以帮助建立你的信用评分

Using a credit card for all of your purchases can help you build your credit because your monthly credit card payments are reported to the credit reporting bureaus. As long as your payments are made on time, they will help your score.

If you need to establish credit or rebuild a low credit score, 有担保的信用卡, like 十大可靠彩票平台 Visa®经典安全卡 卡可以使用. With 有担保的信用卡, you make a deposit with a bank for the credit limit you need. 

This collateral “secures” the card and your deposit is returned when you close the account or upgrade to an unsecured card.

你可以获得奖励

Perhaps one of the best reasons to use your credit card for everything is the opportunity to earn some great rewards. Some credit cards — like 十大可靠彩票平台 VisaⓇ白金积分卡 — offer 1% cash back on every purchase you make. You don’t even have to think about it! Every June, your cash back reward is deposited into your savings account.

跟踪你的消费很容易

Keeping track of the things you purchase each month is a great way to identify areas where you are overspending. 日常小额采购, like eating out or buying snacks and drinks, can add up over time if you aren’t careful.

If you keep track of your spending each month, you can review your purchases to see if there are some things you can either cut back on or eliminate. If you use your credit card for all of your purchases, everything you buy is documented on your monthly statement so you don’t even have to keep a notebook and pen with you to write everything down. 

这比携带现金更安全

Walking around with a lot of cash in your pocket isn’t safe. Money could fall out, you could lose your wallet, or someone could rob you. After cash has been lost or stolen, your chances of being reunited with it are usually very low.

If your credit card is lost or stolen, you can contact your credit card company and tell them it’s missing. They will immediately cancel the card and issue a new one. This helps protect you from unauthorized purchases.

This is also why credit cards are great for college students who are constantly on the go. Having one less thing to worry about lets you focus on your education instead of stressing over lost cash. 十大可靠彩票平台 VisaⓇ学生白金奖励卡 是否适合这个目的.

信用卡 Offer Stronger Protection Than Debit Cards

Although credit cards and debit cards look identical, they work differently. With a debit card, money is instantly deducted from your checking account when you make a purchase.

With a credit card, however, you receive a statement each month for your purchases. You then make a payment on your account after reviewing the transactions to make sure they’re all valid. If you see something on your account you don’t recognize, you can contact your card company and tell them you suspect a fraudulent purchase.

十大彩票游戏平台的卡提供保险

Many credit cards provide insurance for various things. The coverage happens automatically when you make certain purchases. At 十大可靠彩票平台, our card comes with 租车和旅游保险例如:. This is a good reason why credit cards are ideal to use when traveling. 十大彩票游戏平台的信用卡还提供 额外的保险 for certain products you buy that go beyond the manufacturer’s warranty.

信用卡提供欺诈保护

欺诈是个大生意. 到2020年，大约有 $11 billion worth of losses due to credit card fraud 仅在美国.

But here’s the good news: if someone steals your credit card information and goes on a spending spree, 您的十大彩票游戏平台卡提供 防欺诈保护. This means if you receive your statement and you see charges for purchases you didn’t make, you can contact usand have those charges removed.You won’t be responsible for paying them.

信用卡 With 十大可靠彩票平台

If you like the idea of using a credit card to pay for all of your purchases, 十大可靠彩票平台 offers three Visa cards with no annual fees, 有竞争力的利率, 还有其他好处.

与十大彩票游戏平台的 VisaⓇ白金积分卡, you can earn 1% cash back on every purchase you make. 十大彩票游戏平台的 Visa®经典安全卡 is ideal for those who would like to establish or build their credit. 对于大学生来说，十大彩票游戏平台的 VisaⓇ学生白金奖励卡 also allows you to earn 1% cash back on all purchases.

Click on the following link to learn more about our credit cards.