When you think of a credit card, most people will tell you all the bad things that it can do.
You'll hear things such as "Oh, don't get a credit card, they are bad for you" or "Don't use it, you'll go in debt!" Well guess what? The people that preach this are the ones that can't control themselves.
Let's use this scenario for example.
Let's say that a person can't control their dog from barking, does that mean you shouldn't get a dog? You have to look at it the same way.
The people that can't control their credit card problems just need to sit down, shut up and use a debit card or prepaid credit card.
There are people out there that can control their spending and they can greatly benefit from a card as well.
If you're looking to benefit from a card, I would recommend you look into a reward card.
These cards will give you points every time you spend a dollar.
In return, once you get enough points, you can purchase a gift card, new TV or whatever you please.
It's almost like the company telling you "good job, now here's your reward.
" As long as you pay your bill off on time in full, you'll take full advantage.
As you should know, if you pay your bill off in full, you won't ever see any interest rate charges.
This is why it's important that you do so because if you don't, you'll find that the interest rate will outweigh the rewards.