Best Reward Credit Cards - Master Or Slave?
Categories: Credit Cards
Written By: Peter Crabtree
There must be a lot of people out there who share the absolute delight of cutting up all the credit cards in their possession. There’s nothing quite like it. Unfortunately, it isn’t normally a spiritual happening that causes this extreme action, but more a severe financial situation. That’s to say, we either destroy them due to the fact that they can’t be used any more (they’ve been invalidated), or because we can’t stop loading them up and payments are spinning out of our control.
Either state of affairs has all the hall marks of a financial disaster, which easily turns into an emotional crisis. For sure, money difficulties have caused perfectly reasonable men and women to fling themselves from the top of buildings - what a very strange thing to do! This a sad testimony to the grip that our credit-dependent life style has over us.
Of course, a credit card is a tool. Used in the correct way, it can be a big help in spreading payments and also buying that important big Christmas gift for your family. Apart from that, they are not much use. What did your say? You use it for filling the auto with gas, buying groceries and such? Take some advice, and stop it this instant. Talk to your bank and try to use a straight debit card. This kind of card is really common in some countries, and some families live quite well without needing a credit card, thanks all the same. It’s called ‘living within your means’ and it’s really intoxicating, believe me. The satisfaction you feel by being in absolute control of your spending is tremendous.
Now I’ve said all that, of course credit cards have their uses in our modern world, we just need to use them intelligently so that we are the masters, and not the cards or the banks. These days, it’s possible to get rebates back from a card as you use it. Search for a credit card with best rewards and you’ll discover a host of companies offering cash-back rewards, airline flights and points for for foodstuffs and other useful things.
In these difficult times, it’s easy to fall foul of the credit reporting agencies, but it’s not the end of the line by any means. Look for for a credit card for bad credit and you may be amazed what you can dig up, even if it’s just a lowly top up kind of debit card, it will still assist in building back your score.
One last word, after going through the trauma of bankruptcy in the US, you might be surprised to see offers for some kind of card or personal loans coming through your mail box.Their logic is this - if you are employed, and no longer make any payments on any loans due to bankruptcy, then you have some available income income - crazy, eh?
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