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Additional Details
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Wing Hopper | Do you think it's wise to have a Credit Card? Pros and Cons please...? |
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dbear
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Proper use of credit accounts build your credit rating. It is unlikely that you will have enough cash to cover every purchase that you will need to support your lifestyle, such as a home or a car, so establishing credit will help you get the money that you need to borrow at a reasonable interest rate when you would like to borrow it.
There are also times that unexpected emergencies sneak up on you and having the cash to cover them is unlikely. For instance, if your car's transmission gives out and you need to have transportation to get to work, having a ready line of credit on a card can solve an otherwise serious detriment to your livelihood.
When traveling, it is safer to carry a credit card rather than a large sum of cash; many cards are in fact guaranteed to a certain amount even if they are stolen.
Many credit card companies offer extended warranties on purchases, insurance policies on the card holder, or other services like arbitration with retailers. Things that cash certainly do not provide.
However, be sure to use credit cards with due respect and responsibility. |
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alnjk
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It's good for establishing a credit rating,for emergency's,and some businesses require you to have one,i.e.rental car agencies. The only bad is not keeping the balance on the card low. |
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webjnke1
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it's good to have for emergencies. but try your hardest to keep it paid off.
also they can have good benefits ... I have a AAA credit card and I get %5 off of gas purchases at any gas station when I pay at the pump. |
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mom
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It is not wise at all. If you can't afford to buy it with the money you make then you should not have it. I made all of those mistakes fifteen years ago and I am still paying for them. But nobody will be able to tell you not to charge things or many of the hard lessons in life. You will just have to make your own mistakes before you learn. You will think you will not abuse your credit card for unnecessaary things, but then you probably will. If you need a credit card for ordering things off of the web or catalogs just use a debit card from your checking account.
You can use them anywhere, anytime, for anything and the money comes out of your checking. That is what I do now after I have learned my credit card lessons. |
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Studly
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I think so.
It's nice to have an emergency source for money.
You need a card to reserve hotel or plane tickets.
You need a card for on-line shopping.
I suggest getting one, but place a $500 limit on the card. You need to monitor the limit, because the credit card companies will jack it up without notice. The next think you know, you have a $2000 bill. |
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el
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Pro: To help start a business, for emergency purposes, to make a major purchase, to buy clothing/uniform for a new job, for obtaining an education, to help obtain a good credit rating.
Con: If you cannot pay much more than the minimum amount each month, you will soon be in major debt. It's best if you start buying only things that you can pay for at the end of the billing period.
Good luck, whatever you choose! |
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rockEsquirrel
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A credit card can be a useful tool, or an evil slave master. It must be controlled, not let to run wild.
It is not a store of wealth, but a convenient medium of exchange. |
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nwanso_nguti
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You need it to survive with our low wages. on the other hand, you know you better be making those minimum payments that these financial institutions are sticking to us. Interests rates kill us. |
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mistycat_1983
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hi i have a credit card and have had one for several years now. some of the pros include buy now and pay later, free travel if you collect air miles. a con i can find is a higher debt. this is what i find with credit cards which is ironic because i pitch credit for a living |
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Coco
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very wise to have a credit card. there are lots of pros. builds credit. you can buy stuff online, use it for emergencies, car rentals, hotels, etc. you dont have to carry cash and worry about losing it. there are no cons of having a credit card. |
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