A credit card provides a line of credit which can be used to make payments. It is different from a debit card in that when you use a debit card, the money gets debited from your bank account directly, whereas a credit card gives a line of credit paid off on a monthly basis.

Why use credit cards? Other payment options, like debit cards and cash, may seem like an easier way to stay within budget. After all, credit cards have a reputation for encouraging you to spend money you don’t have — especially when enticing offers come in the mail.

When used responsibly, credit cards can be great for your financial well-being. In fact, smart credit card holders can earn money just by using their card.

Benefits of Credit Cards

Easy access to credit

Building a line of credit

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