{"id":1880,"date":"2018-06-01T03:00:07","date_gmt":"2018-06-01T08:00:07","guid":{"rendered":"http:\/\/kerryaclark.com\/?p=1880"},"modified":"2018-06-15T06:29:37","modified_gmt":"2018-06-15T11:29:37","slug":"credit-card-benefits-to-consider","status":"publish","type":"post","link":"https:\/\/www.kerryaclark.com\/blog\/credit-card-benefits-to-consider\/","title":{"rendered":"Three Credit Card Benefits You Should Consider"},"content":{"rendered":"

Dealing With Debt – Part 6<\/span><\/h2>\n

If credit cards cause so many problems, why would I ever want one?<\/span>
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\n<\/span>You must remember that anything used outside of its primary purpose is what\u2019s known as abuse. Any time there are problems, specifically regarding the topic of credit cards, it\u2019s a product of abuse; we misuse our credit cards and that\u2019s what brings us trouble.<\/span><\/p>\n

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\n<\/span>Credit cards aren\u2019t for everyone like college isn\u2019t for everyone, at least not for everyone right now. I\u2019ve learned to use credit cards like a contractor using a tool in his toolbox. You can use a hammer for many tasks, but a hammer may not be the best tool for the job. \u00a0Just because a hammer will work doesn\u2019t mean there\u2019s isn\u2019t another tool out there that can do a better job, even a more efficient job. In the same way, credit cards can be used as a tool in (what I call) the business of running your life. \u00a0Let\u2019s discuss three of the best ways a credit card can be used as a tool to improve your life, your business. <\/span>
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\n<\/span>Having a Credit Card that Offers You Cash back.<\/b>
\n<\/b>Benefit #1: We have credit cards that offer cash back. \u00a0<\/span><\/i>
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\n<\/span>Why use a credit card that doesn\u2019t offer you something in return? \u00a0It\u2019s time you at least earned something as well. Gone should be the day that people use a credit card that doesn\u2019t offer them something in return. \u00a0We have one credit card that gives 1.5% cash back for every purchase and we have one that provides 2% cash back for all purchases. We have 3 credit cards total that serve specific yet unique purposes, see our web-post called, \u201c<\/span>Three Ways Credit Cards Can Work For You<\/span><\/a>\u201d. \u00a0There are many credit cards out there that provide a return. \u00a0Look for one, if you\u2019re going to use one, that provides a return that\u2019s beneficial for you. \u00a0We use our cashback rewards to fund our <\/span>Christmas giving<\/span><\/a>; it acts like a savings account that we cash out just before Christmas.<\/span>
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\n<\/span>Having a Credit Card Increases You Credit Rating.<\/b>
\n<\/b>Benefit #2: Our credits cards have helped to increase our credit rating.<\/span><\/i>
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\n<\/span><\/i>Pamela and I use a credit card for all our spending. \u00a0We are disciplined enough to never carry a balance. We spend and at the end of the week or each payday, we settle the credit card account. This spending and payoff looks very good to the credit card companies. It\u2019s continuous and shows that we use the card and make payments responsibly. \u00a0If you\u2019re disciplined enough, give it a try and make the credit card work in your favor. This use of the credit card has resulted in numerous credit limit increases and thusly a better credit rating.<\/span>
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\n<\/span>Having a Credit Card Makes Accounting Easier.<\/b>
\n<\/b>Benefit #3: Our credit card statements provide better accounting of our spending than we could on our own. \u00a0<\/span><\/i>
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\n<\/span>Using a credit card makes tracking and accounting much easier and simpler. \u00a0It basically does all the work for you. We can see our spending in categories. \u00a0Running our life doesn\u2019t need to be complicated by us having to get all our transactions in a spreadsheet to analyze. \u00a0The credit credit websites do that for us, saving us a lot of time. Each month or as often as we desire, we can take a look at spending patterns which help us to modify our spending behaviors. \u00a0What are your waiting on to add this to your toolkit?<\/span>
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\n<\/span>Today Is Friday!<\/span>
\n<\/span>If you know me, you know I love Microsoft Excel. \u00a0Spreadsheets are our friend and I\u2019m very good with them. \u00a0But why would I do all that work myself when someone else can do it for me? \u00a0Credit cards used with a purpose, such as accounting, can provide benefits for you. \u00a0In this web-post, we\u2019ve discussed three, and I\u2019m sure there are many more, benefits to using a credit card with a plan. This is your life, your business what tool do you have in your wallet?<\/span>
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\n<\/span>Question:<\/b> What can using a credit card do to improve your life?<\/span><\/p>\n

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Additional Web-Posts on Credit Cards:<\/b><\/p>\n