You’ve probably heard that carrying a card – whether it’s a debit card or a credit card – is safer and more convenient than carrying cash. This is certainly true, but there are several other significant benefits of having a credit card that you may not be familiar with.
Benefit no. 1: no transaction fees
This is an advantage that a credit card has over a debit account. Although your bank will probably charge you a fee for withdrawing 신용카드현금화, you can spend an unlimited number of daily card slips on your heart’s content. Each time you drag a debit card, you will be charged a transaction fee. However, with a credit card, whether MasterCard or Visa, transaction fees are paid by the merchant, i.e., the merchant you visit, rather than you, the merchant’s customer.
Benefit no. 2: the world of e-commerce at hand
Some online sites accept debit cards as a form of payment, but it remains the way to go for most credit cards. EFT (Electronic Funds Transfer) is also sometimes an option when making a purchase or paying for an online service.
However, the credit card payment option is immediate and free again. Whether you’re booking a flight, paying for music downloads on a website like iTunes, or ordering the book you want but haven’t found it in your local bookstore, you can do it in seconds with a credit card in hand. If your goods are not delivered, you can ask the bank to cancel or cancel the transaction.
Benefit no. 3: You can earn interest on your credit account.
As the name suggests, most people believe that spending on a credit card is only for spending on credit. Indeed, this is not entirely true. Although you can certainly spend up to the credit limit, which is a great return on contingencies or on an item or service you want or need but doesn’t have money in advance, you can also deposit money on your card. Your credit card and use it similarly to a debit card. In fact, if you don’t want to, you should never credit your credit card. The interest you can earn for a positive balance in your credit card account is often much higher than the interest you can earn for a similar balance in a regular checking account.
Getting your first credit account is no longer as difficult as it used to be, as the credit card application process has been greatly simplified in recent years. You can even apply for a credit card online if you wish.