Credit card purchases can often result in extra benefits such as:
- Frequent flyer points.
- Extended warranties.
- Special purchasing rebate dollars.
- Free insurance.
- Premiums such as gifts and free meals.
When shopping online or over the telephone, using your credit card can protect you if you never see the merchandise you order. It can also come in handy if what your receive falls short of your expectations. If you run into problems with your transaction you can withhold payment by contacting your credit card company and placing the transaction into dispute. Most dispute policies are located on your credit card statement.
High interest rates are not conducive to a getting a good bargain so it is best to charge only what you can pay off in a timely matter.
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