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Why Should You Use Credit Cards

Believe it or not, the way society, especially the commercial side, is set up these days, the only alternative to using credit is to pay cash for everything. But it's actually quite hard to do that. For example, if you want to rent a car, you have to have a credit card, even if you pay cash for the rental. The reason for that is because once a company has your credit card with your signature, they'll never lose money. If you default on anything, or if extra charges come up later, all they do is charge your credit card. Many companies require a credit card before they'll do any kind of business with you, for that very reason.

After you enter the workforce, it's a good idea to apply for a credit card with a small limit. Any one of the major credit card companies will help you. Those companies are Visa, MasterCard and American Express. Buy something with your credit card, and pay it off as fast as you can. That's the basics of establishing a good credit record. If you continue to do that, buying bigger and bigger items and paying them off, on time, then you'll end up with an A-1 credit rating. Then when you want to make a major purchase, like a car, or a house, you won't have any trouble qualifying at the bank.

So there's good value in using credit cards. They allow you to buy something you want now, enjoy it now, and pay for it later. That's the reason credit was given in the first place, way back in the 18th century ? to allow you to buy larger items like furniture, that you couldn't afford to pay cash for. The system worked great, and still does today ? as long as you don't abuse it.

Chris Dodd is the author of many informative articles on finance issues. Here at Low Apr Credit cards you can find the latest offers and credit card deals to help you reduce your overall credit costs.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.hedgeweek.com/articles/detail.jsp%3Fcontent_id%3D270902cid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNHUhiPDAia5nij1JByXg2yXO9PmwAimg src=http://news.google.com/news?imgefp=7kZiev_e1T8Jimgurl=www.hedgeweek.com/userimages/Chicago_Mercantile_Exchange.jpg width=80 height=60 alt= border=1brfont size=-2HedgeWeek/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.californiaprogressreport.com/2008/10/state_controlle_2.htmlcid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNEdHXR2oON1bXSVGDhLWpqY15xqqwState Controller Chiang to Treasury Secretary Paulson b.../b/abrfont size=-1font color=#6f6f6fCalifornia Progress Report,nbsp;CAnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1However, while we continue to work through this crisis, I believe more needs to be done to increase investor confidence in the bcredit/b markets, b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ajc.com/business/content/business/stories/2008/10/10/credit_trade_swaps.htmlcid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNGqUrQOQS683JjiwtOHKROYeyKZ6wICE, 3 other firms team up to trade little-known securities/a font size=-1 color=#6f6f6fnobrAtlanta Journal Constitution/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/09/financials-got-you-down-cme-pitches-credit-default-swaps-the-safer-way/%3Fmod%3Dgooglenews_wsjcid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNGixjlH6NVc25m4LNqo6OCHkvErBAFinancials Got You Down? CME Pitches bCredit/b-Default Swaps the b.../b/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/cme-group-citadel-launch-first/story.aspx%3Fguid%3D%257B097CDE55-CE99-42BF-9BD9-D3650A10B3A3%257D%26dist%3Dhpprcid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNEwk24oa2zPBpjXbvfxFUUFX0nexgCME Group and Citadel to Launch the First Integrated bCredit/b b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.suntimes.com/business/1206883,CST-FIN-cme07web-w.articlecid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNHWZ0ykNuP4aoaz2AFgRuel-cct5QnobrChicago Sun-Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUSN1052652820081010cid=1254860311ei=G0nxSOnOAaiY6AOP7Y2-Awusg=AFQjCNFfw99C1FEVK_l0KwQPevf4rq3wQAnobrReuters/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254860311hl=ennobrall 91 news articles/nobr/a/font/div/font/td/tr/table

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