3 Reasons You Should Have a Credit Card

When it comes to deciding between payment methods, people are usually faced with two main options: cash or card. And while cash is still a staple in society, more and more people are navigating towards using credit cards. Not only do they help build your credit score, but they offer several other benefits as well. So if you still have yet to sign up for a credit card, here are a few reasons you should do it sooner rather than later.

Protection: Using a card instead of cash protects you in a few ways. First off, you’re not walking around with a wad of cash that can easily be stolen or misplaced. And once cash is lost it’s usually gone forever. Additionally, if your card is stolen, you won’t have to pay for the fraudulent charges. You can always dispute a charge if you think someone is using your card as well. Overall, paying with plastic is safer than paying with paper.

Rewards: If you choose the right card, you could receive some amazing rewards. This is especially true when it comes to cards like credit union credit cards, which often offer their users great benefits, along with great rates. So if you travel a lot, look for a card that offers air miles. Or if you use your card for gas, look for a card that offers cash back on gas purchases. So finding the right card could mean you save money on the things you need most.

Convenience: All in all, using a card is simply more convenient than using cash in today’s society. With about seven in 10 Americans owning and using at least one credit card, most businesses cater towards card users. So instead of having to search through your wallet for bills and coins, you can simply swipe your card and make a transaction in a few seconds. And carrying around a sleek card is easier than a bundle of cash, too.

As you can see, there are some really great benefits to having and using a credit card. From receiving awesome rewards to simply being easier to use, plastic is the way to go when it comes to payments. So if you’re looking for a more convenient and secure payment method, sign up for a card today.