Debit card has really changed the ecosystem of online payment. But, credit cards have done much more than this. Consumers are not giving enough importance to debit card. Considering the present situation where unemployment is booming, consumers are saving for the bad times. This is why they are giving more preference to credit card transactions instead of debit card. Credit cards allow consumers to hold their money for a short period of time. It will help them to become financially stable.
But, there is a constant debate over the usage of credit card and debit card. Most people think using a debit card is the smartest way to mitigate credit card debt. But, on the other sides, experts are of the opinion that, credit card has endless advantages.
Benefits Of Using Credit Cards
Well, if you are using credit cards, you will have the following benefits:
- Extra time to pay back the costs
- Credit card rewards
- Fraud protection
- Building credit
Extra Time To Pay Back The Costs
The best part of using a credit card is that you will don’t have to pay from your account instantly. You can purchase things on EMI. Therefore, you will have time to pay later. But, on the other side, if you use a debit card, you will not have pay later option. Yes, in case of a debit card transaction, the amount will be deducted instantly from your bank account. A credit card brings flexibility. It allows the cardholders to pay on their suitable timeline.
Credit Card Rewards
Well, credit card not only gives you pay later option but also some additional rewards on every purchase. There are many top credit card brands offering alluring cash back offers to its customers. It promotes online shopping and customers also get a positive shopping experience. Amid this situation where people are shopping online, the credit card is playing an important role. Yes, these additional cash backs will definitely make a huge difference amid this critical situation.
Fraud Protection
Top credit card brands provide a built-in fraud protection feature. Therefore, credit cardholders will not have to face any sort of fraudulent activity while purchasing something with credit cards. On the other side, debit card users might not get this efficient feature.
Building Credit
When you are using credit cards, you are actually building your credit score. If you have a good credit score, your credit card limit will be increased. Moreover, there will not be any problem to get another credit card.
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