Credit Cards as Backup
I do not use a credit card on a daily basis. In fact, I pay for as much as I possibly can with cash or a check card. I do have a credit card, but I keep it for emergency use and travel. I have always been quite responsible with credit cards, but while I was married I had some problems with my ex allowing the credit cards to amass large balances.
A credit card is a handy thing to have in case of emergencies and as a backup. I think, though, we all need to do more in how we research which card is right for us. It is not good enough to just take the first credit application that we get in the mail. We need to look into what is out there.
Look at the interest rates and annual fees. Is there a good deal on an initial balance transfer? Do you want a card that offers rewards or just a basic card with a low rate? Are you looking for a card that gives back to charity? One way to begin your search is to take a look at a credit card comparison table. This way you get a good, big picture look at the options available to you. You can compare interest rates and rewards.
In any event, slow down and do your research. The right credit card is out there for you. It is just a matter of weighing your options.
True. Credit cards are not for shopping!!