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Rewards Credit Cards and Their Advantages

Rewards Credit Cards and Their Advantages

Reward credit cards allow you earn points on your transactions in exchange for free gifts.  The number of points and their value depends on the company, and sometimes you can earn more points when the company is having a promotion, or for some certain activities. 

Shopping for groceries is a good example of a way that you can earn points weekly with the reward credit card.  You can save up these points to get bigger and better rewards when you come to claim your reward.  It is possible to receive such rewards as vouchers for shopping, clothing items, free days out, and even flights to holiday destinations when you shop using your rewards credit card.

It is always more favorable to carry around a credit card rather than cash.  If you have your wallet or purse stolen or if you lose it, it is quite simple to call your credit card company and they will stop your card from being used.  If you have your purse or wallet stolen, then the credit card company may even be able to track the thief.  If an unauthorized payment is made using your credit card details, whether that is using your card directly, or a fraudster who has illegally acquired your details, then most reward credit card companies will be very helpful, usually reverse the charge and do all that they can to bring the criminals to justice.

One way to earn a lot of points with your reward card is to use it when purchasing flight tickets for travelling abroad.  Because you will be paying a lot of money all at once, you will earn many points on your reward credit card, and in time you may even be able to receive a free flight as a reward.  This is usually a cheaper way of buying flight tickets, even with the interest that is charged on credit cards.  You may even find that the reward credit card company offers free holiday and flight insurance, which can save you a little money each time you travel.

For a safe and secure way of payment whilst saving points towards things that you actually need, a reward credit card is not just your average credit card.  They are accepted in almost every store, and you can use them to make transactions using the telephone, mail or Internet.  A rewards credit card is a great option for anyone who has a fair credit rating and who requires a reliable and useful credit card.

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Pay off more than the minimum each month. Don't be content just to pay the minimum payment amount. For those who can't pay off the whole balance on their cards, it's important to try and pay as much as possible each month. Paying just the small minimum required each month will consign you to long-term revolving debt incurring enormous total interest charges over time. Card providers have lowered the minimum payments from 3 or 4 per cent of the outstanding balance to as low as 1.5 per cent in some cases in recent years. If you can't pay more than the minimum, it's probably time to transfer the debt off the card to a personal loan at a lower interest rate.

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