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I find credit cards to be on of man’s best inventions. I don’t know why people get caught up in such huge debts when using their credit cards. I mean, don’t they realize that whatever they use the credit card for, as way of payment has to be paid for with money from their own money? Surely they can’t believe that companies would give them a license to spend with no comeback? I reckon that maybe there should be some sort of educational course that they have to take before they are granted access to these wonderful cards.

Used correctly credit cards with cash back can make life so easy. It allows you to keep track of your spending as it keeps a record of everything you used it for. It allows you to purchase things without having to carry a whole pile of cash with you all the time. It can also be used online when purchasing goods but you have to be careful what sites you use it on. I prefer to use it in conjunction with my PayPal account for that extra security.

I have a preference for cards that give points on spending as an incentive. These points can be used later to purchase other stuff or some even allow you to redeem it as cash. I use my card to pay for everything including my bills. Naturally I always make sure I can pay it off or at least meet the payments until such time that I can pay it off.