Credit card - what for it?

credit card what for it? Iva Jenkins ask:
And it is possible to explain me, in what pleasure from possession of a credit card instead of the depositary? Well it is clear that it is possible to spend money more than actually is, but after all the situation when money a zero or approaches zero. It is a situation when all badly with the personal finance and it is necessary to undertake urgently any actions on rescue, instead of to occupy still increasing debts. Well as the first and most simple action - to cut down expenses.

I.e. it is interesting to me why personally you have made to yourselves a credit card? (In comparison with depositary) you have felt what positive moments of possession as a credit card?

credit card what for it? Roy Bush (like a tea) answer:
Initially a credit card did when "the short" and fast credit was necessary. And now on debit, money for savings accounts lies, i.e. goes % to me, and a credit card I earn miles on air tickets.

credit card what for it? Anita Fergusson answer:
Very interesting question. is not present, the truth. What for we do to ourselves credit cards. After all it is necessary to give money and with percent. I have made a credit card not to depend on days of reception of the salary and awards. I always have any cash. Then, it is convenient, though and it is not safe, to pay off in an Internet and in trading networks. And if will steal or I will lose with a purse, a card I will block and though any money will be rescued. Then, it is not necessary to carry a cash great sum from which it is not closed in a purse. The card does not occupy a lot of place. And for some reason on them do not place a photo of the owner or at least a photo of an iris of the eye of an eye for identification. It would be convenient.

credit card what for it? Clark Larsen answer:
I wish to rent the car in holiday. If to take a normal car, on a card will freeze a certain sum for a guarantee. If a card debit particularly my money will be frozen, and I cannot use them during holiday. And here if a card credit - bank money is frozen, and to me it by and large is indifferent.

At me auto-payment of the mobile is connected. If the card credit, remains to me of once a month before settlement date to liquidate a debt, and all. If a card debit - I need to throw before write-off on a card the sum, which size I yet I do not know, that is with the guaranteed stock. Well I do not love so in advance a brain to strain.

And still - from what you took that the situation when money 0 or approaches to 0 it a pancake a situation when all badly with the personal finance. At me the personal finance is stored on a debit card, and on a credit card always only a debt which I extinguish, as a rule, in grace. In Avant-guard such debt it costs nothing, if there is a credit card. Between cards money is thrown for 1 minute by two pressing of the mouse. Such scheme allows to take all advantages of extra means and not to mix them with the personal.

credit card what for it? Richard Fishman answer:
I still have made decision to live about 5-6 years ago on credit, and all money to put in deposits or other actives. That is all incomes lie all year in bank under 12% (now 12-20%), and we with the wife try to buy all on credit cards, then in the end grace we remove from the deposit and we extinguish debts. It gives the additional income in a year approximately 10-12% from annual earnings - that similarly approximately to 1,5 monthly earnings.

Plus is run by miles.

Also it is possible to pay a credit card for gifts or an entertainment of clients at restaurant, for example, and money compensates in 2-3 weeks. If it were the, would be insulting, and so - there are no problems. Plus then can be placed this money temporarily too on the deposit (the grece-period from 50 till 60 days)

credit card what for it? Silvia Gray answer:
My arguments will be next: in the majority of shops where I outfit, is present inquiring, payment by a card against cash allows "to have always the exact sum without delivery" and not to rattle thus in trifle kgs. Then once a month to pay off on expenditure (having approximated to the nearest paper sum, that besides without coins).

on a card which I now basically use, there are bonuses from payment. As I have all the same bought in the same place, I consider it as the discount.

to crying for any additional services of type of a communal flat, cellular too from a card. It first without turns and at any time, and not just mo-sat 10:00-19:00, secondly all history of payments if that is visible in an extract on a card.

well and own means (while are spent extra) work. Whether on the deposit, in exchange operations - depends on games of financial bigwigs. Agree, it is quite good if means are free, and there is a possibility (when converges favorably) to represent 3% of a gain a day well or in the worst but guaranteed variant about 1.5% a month.

credit card what for it? Landa Hannis answer:
And I credit cards took, when there was an auto-credit and instead of the credit for small term. The auto-credit it was convenient to extinguish ahead of schedule + a stock possible problems with money. And so, with intervals of a lack of money helps + grace. In shops too to pay conveniently (but here a credit card - not a credit card without a difference). While there was money, in general on cards did not reflect. But with cards very conveniently - the credit always near at hand. The TV set has broken - has gone and has bought new, has then paid off, also in grace has kept within. And so - make out the credit, pay mad percent. Now I all cards with percent have less than minute under the credit. Certainly it is better not to live on credit, but the good car without the credit to buy it is problematic. Well or very good.