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Credit Cards: Their Benefits and Drawbacks Although most of us have credit cards, we're not always sure that we're making the best use of them. An increasing number of providers are entering the credit card market, so shopping around for the credit card that suits you best is well worth the time. Why Use Credit Cards? Credit cards are a convenient way to pay for products and services, without the need to handle large amounts of cash. Credit cards also provide one of the easiest ways of deferring payment, or for borrowing over a short period of time. Credit cards can be used internationally and can be used when making payments in person, in writing, by telephone, or on the Internet. The minimum monthly payment charged by credit card providers is based on the balance of the account. This amount is typically two percent of the outstanding balance. While it may be appealing to pay only the minimum, paying off the balance in full, if possible, is the best option. If you are unable to pay off the balance in full, pay as much as you can over the minimum as you can afford. Interest rates charged for credit card debt are normally higher than for other forms of borrowing. Most card providers offer some form of protection against credit card fraud and damage to goods bought with the card. If you notice any problems on your bill or suspect fraud contact your credit card provider immediately and they will work with you to correct the problem. Often times, to help protect against credit card fraud, your provider will even call you if they notice an unusually high charge. Choosing a Credit Card Many credit card providers offer a variety of incentives, such as airline frequent flyer miles or cash back bonuses, to encourage people to sign up. Trying to find low interest credit cards can be very confusing. Card issuers don't just charge different interest rates, they also offer different interest-free credit periods, and calculate interest from different times. Cash advances are generally charged a higher interest rate than purchases. In addition, many companies offer introductory offers, such as low interest rates for the first few months, and interest free periods for balance transfers. The key to choosing a credit card is information. Get as much information as you can for several credit cards and then do a side-by-side comparison, matching feature to feature. Read the fine print. You'll quickly figure out what is important to you and be able to make a sound choice. Don't get trapped by credit card debt. Know when to use a credit card and don't get in over your head.

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