A Look at Why Credit Cards Are Necessary

In this day and age, when consumerism is at its peak, people need to ensure that their rights as buyers are protected at all times. This is the main argument in favour of credit cards. It is agreed that the word "credit" often scares a lot of people as it basically implies the spending of money that one doesn't have.

However, with proper use of options available out there and through timely payments one can exploit all the benefits credit cards have to offer.

Let us take a look at some of the main advantages of using such options of payment:-

A. Better Protection of Consumer Rights:- In most countries, including the United Kingdom, people who make their purchases using credit or prepaid credit cards, especially for purchases that are over 100, are guaranteed of purchase protection.

This means that in case a purchase turns sour due to the product or service not being at par with what was agreed upon, the buyer can claim liability from both the merchant and the credit card company. However, to avail of this benefit one must ensure that one has a good credit record with the card provider.

B. Reward and Mileage Points:- Most credit cards all over the globe offer loyalty programmes which awards points to the buyer every time he uses his card at certain establishments. These points can be accumulated later and be exchanged for fuel surcharges or flight tickets. Membership points can also be used to get better amenities at hotels all over UK.

C. Identity Protection:- This is one of the many areas where prepaid credit card overtake the charged cards in the race. Since prepaid credit cards in UK and everywhere else in the world are meant for limited spending, making online purchases using these are considered safer. There is a lesser chance of someone stealing your card information and banking details if he knows that he cannot run wild with the heist.

Most online purchases should be made with prepaid credit cards because they also come with options like purchase protection, just like the normal credit cards. At the end of the day, it all boils down how cleverly one uses such tools of spending and as long as the card owner can ensure that the card payments are being made on time, he can relax easy knowing that he is a satisfied and safe buyer.

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