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Credit card pros and cons
Most of us have a credit card, but are they really all they are cracked up to be? Here we take a look at the pros and cons of having a credit card…
The plus points
- Credit cards are very flexible – you can pay only the minimum amount outstanding or you can pay your balance off in full
- You get an interest-free period on purchases, which can be around 56 days’ if you time it right
- You have the freedom to buy remotely, such as online
- If you are looking for short term borrowing, credit cards can work out cheaper than a long term personal loan as you pay interest only on the remaining debt and not on the whole loan amount You will also have no early redemption penalties which you get when you pay a personal loan off early
- you get many additional benefits, such as free travel accident insurance, cash back, discounts etc
The negative points
- if you use your credit card to withdraw cash, it will be expensive as you are charged interest from the day you withdraw it
- it is easier to get into to debt as paying with plastic is not like paying ‘with real money’
- you may not be able to get the amount of credit that you want
- credit cards are more open to fraudulent use
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