Credit Card refers to plastic cards that are usually issued by a credit card company. It is the most popular means of payment in the world. It is because credit cards are convenient to carry and use, and can be used for making purchases both online and offline.

What are the main benefits of using a credit card?
1. Easy to access funds

There are many ways in which you can manage your finances. For instance, you can set up a direct debit payment so that your funds are directly withdrawn when the bill is paid. You can also pay bills using a credit card if you prefer using plastic over paper money. This is because you can use the credit card over your bills or other expenses to make payments easier. You can also use your credit card to make purchases anywhere. You will not need a checkbook or cash to pay the credit card company.

2. No cash required

All that you need is a checkbook, and your funds are available for your purchase. With this method, you do not have to carry money from an ATM, so it reduces the risk of losing money.

3. Use as overdraft protection

Credit card companies offer a service that allows you to charge your expenses, and the balance on your credit card can be used in circumstances where there is not enough cash in your account. This gives you access to more money for shopping or other expenses.

4. Security

When you use a credit card, it has been made with security features that protect your purchases from being hacked or misused. You will notice when paying online that there are three numbers after your name on the screen.


Credit cards are the best way to make payments for purchases. With it, you can pay for your expenses using credit and not use cash to make payments. You will not have to worry about losing cash or carrying money from ATMs if you have a credit card.