Convenience - Making a purchase using a credit card offers the card holder with the advantage of not having to carry large sums of cash around or handling a check book. Therefore, the hassle free shopping that comes with buying items on credit is as simple as a swipe of the card and your signature. Now with online and telephone purchases the transaction is effortless when buying or ordering from a catalog.

Emergency - Using your credit card like a financial blanket can get you out of most any immediate and emergency situation. Especially when you’re between pay periods and money is short.

Budgeting - It’s a lot easier to arrange pay off schedules for purchases made with credit. Credit also offers you the opportunity for discounts and special offers when used wisely.

Protection - when using credit there’s truly no need to carry cash, hence credit protects from the loss of cash. Plus it’s accepted anywhere. Take for example; if you lose $100 in cash someone who found it could use it anywhere they want. However if you los a credit card with $300 credit limit, the finder couldn’t use it and if so you wouldn't be accountable for the repayment. That’s if, of course, you report the card lost or stolen in a timely fashion. Even if you don’t report the card stolen before it’s used, you’ll only be charged $50.

Travel - Most people with credit cards find it quite easy to make pertinent purchases while traveling. For example, air plane tickets, car rentals, reserving and paying for hotel stays and more. Also, one of the benefits of traveling with credit is the fact that all your purchases are guaranteed for quality and functionality plus you can return items and request refunds where this may be difficult for cash purchases abroad.