Credit Cards

Credit Cards offer many benefits. When they are not handled responsibly; however, the drawbacks negate those benefits several fold. Credit Cards are used for payment flexibility, purchasing power and unsurpassed acceptance. There are thousands upon thousands of credit cards, ranging from secured cards to check cards to debit cards to cash cards to traditional credit cards. The three biggest names in the game have to be Visa, MasterCard, and American Express.

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There are many others out there, under brand names such as Discover Card, or Diner's Club, just to name a few.
If you haven't figured out yet that you can be a profitable customer for the banks and networks even though you are a transactor or convenience user, then you haven't thought it through. The companies make money on you not only through your annual fees and finance charges, but the "system" also takes a bite out of each purchase you make - usually somewhere between 1% and 3% depending on which card and which network.

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