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Credit Cards

Your credit rating effects your chances of getting credit

Credit cards are a way of borrowing money. When paying by credit card, your credit card provider actually pays - and you have to pay your credit card provider back.

There are several reasons for using a credit card rather than a debit card or cash:

  • You can spend on a credit card during the month and then pay off what you’ve spent each month and avoid any interest charges. This practice allows you to keep a good track of what you’re spending each month.
  • Many credit cards offer additional warrantee and insurance on purchases including white goods and holidays.
  • Reward points. If you opt for a credit card that offers rewards such as air miles, nectar points or even cash back then you can earn as you spend.

It is important to note here that if you spend on a credit card and don’t pay back within the interest free period you will incur heavy interest charges that can quickly spiral out of control. If you are going to use a credit card for your outgoings then be careful and plan your finances carefully.