Debt Advice Helpline - A Credit Card – An Amazingly Useful Tool

Debt Advice Helpline Staff are telling people are moving back to cash, and in some cases for good reasons.

But the credit card has far from 'had it's day'.  There are still a wide range of positives that you can have from owning a credit card and spending money on it.

How a Credit Card is Useful

First and foremost it allows you access to money that you don't have.  This is both a positive and a negative – but the positive side is very useful.  It means that you can access money when you would otherwise not have any funds – especially useful in an emergency and you just have to spend money on something (like a new boiler, or gas money home). If you need more assistance with how to handle a situation like this, then calling Debt Advice Helpline Staff is definitely necessary.

It enables you to take that peace of mind with you anywhere you go.  You can always know that should the worst come to the worst there is always a bit of money that you can fall back on.

That ability to travel with you is useful as well.  A credit card can go almost anywhere.  It's not like it takes up much room so you can take it wherever you go, and unlike cash a credit card is able to be used in almost all countries as well.

It is also useful from a distance as well as travel.  You are able to buy over the telephone, over the internet, via mail order, however you can think of.  If you are looking to buy something that you can't personally see right now a credit card is the answer – because it is an easy way for the merchant to accept money over a distance.

It also affords you considerable protection as well.  You are able to do something called a 'charge back' with credit cards.  The Debt Advice Helpline states that this means that if you feel that you were sold something that was misrepresented and they won't take it back you can raise a dispute with your credit card company.  If you are right they will take back the money and refund you... providing you excellent protection should any problems arise.

You are also protected from fraud as well.  If, when buying over a distance for example, someone takes your card details and starts using it fraudulently, all you need to do is talk to the credit card company and they will look into it – if they feel you are correct they will then refund the money – perfect for peace of mind when distance buying.

Debt Advice Helpline does obviously realize there are down sides to a credit card as well, such as interest charges, fees for missed payments etc.  But these negatives are out weighed by the positives that you are able to gain from having a credit card – even one that you only use from time to time.

Brought to you in part by Debt Advice Helpline