Top Reasons Why Credit Cards Are Useful

• Builds Credit History: Using your credit card responsibly helps you establish and improve your credit score, which can help you qualify for loans or mortgages later.
• Interest-Free Period: Most credit cards offer a grace period (usually 20–50 days) where no interest is charged if you pay the full bill on time.
• Earn Rewards & Cashback: Many credit cards give you reward points, cashback, or travel miles every time you spend — a smart way to get something back for your expenses.
• Merchant discounts - Many credit card issuers have a tie up with merchants to offer extra discounts to the customers if they use their issued credit cards. This can lead to extra savings for yourself.
• Emergency Financial Backup: Whether it’s a medical emergency or unexpected travel, your card can give you quick access to funds when you need them most.
• Safer Than Carrying Cash: Losing a credit card is less risky than losing cash — you can block it immediately and avoid unauthorized use.
• Great for Travel: Credit cards are widely accepted around the world and often come with perks like airport lounge access, travel insurance, or concierge services.
• Easy EMI Conversions: Big-ticket purchases can be converted into smaller monthly installments right through your card — making it easier to manage finances.
• Access to Exclusive Deals: Enjoy discounts and offers on food delivery, shopping, movies, fuel, and more just for being a cardholder.
• Simplified Expense Tracking: All your expenses show up in your monthly statement — helping you stay on top of your budget.
• Sense of Security: A credit card offers peace of mind knowing you have a reliable backup for unexpected or planned spending.