Me and my wife have been using credit card when purchasing something may it me on groceries, clothes and shoes. We also use it in our purchases online. Using credit card is very convenient because you don't have to bring cold cash especially on purchases that are huge. Aside from that, we also get to enjoy some perks like freebies when there are promos.
Proper management and discipline are the keys to using credit card effectively. In our case, we see to it that we keep all receipts of our purchases to keep track of our credit card usage. We also discipline ourselves when purchasing using credit card. We see to it that we'll be able to pay what we have charged in our credit card and that it is within our budget to avoid problems with credit card bills. We also pay our credit card bill before its due date to avoid incurring surcharges.
Being an online shopper, my wife and I are looking for an online credit card that we can apply to. We are looking for a low interest card and something that offers cash rebates like Credit-Card-Surplus. Shopping online is lesser of a hassle and it really is convenient especially if you have a credit card that values customers as well.
