I’m using a lot of my Credit Cards lately, well, seems like I have been doing lots of shopping!

Seriously, most of the people shop with credit cards these days, it’s more convenient than bringing lots of cash around. Furthermore, it’s more secure. Even if you lose your credit cards, all you need is just call your banks and they will have your cards cancel and transaction held.

On top of that, there are various credit cards available in the market.

Get paid to spend with a cashback credit card. Personally, I prefer cashback credit cards. If you always pay off your credit cards in full every month, you can enjoy up to 59 days’ interest-free credit and earn a rebate of up to 1% of the value of your purchases. Thus, the more you use your cards, the more the cash rebate will be. But bear in mind that you need to pay off all your outstanding balance every month to enjoy this privillege.

Besides that, if you are struggling with you existing credit cards debt, why don’t you switch to credit cards that offer you 0% balance transfer? By switching to a 0% credit card and paying off as much as you can every month, you will be able to pay off your debt faster.

My credit cards only offer me rewards point. Frankly, I seldom redeem any gifts from them, but I will sure do this year as my points have been accumulated a lot over the years.