How convenient it is to have credit cards. I remember when I was in the Philippines, it wasn’t a must for everyone to have a credit card unlike here where everyone of right age must have one. Credit cards here in the US plays a lot of role instead of just being there so we can keep shopping but how one can build his/her credit score. For you to know, it is important in getting a house, a car, loan from the bank and much more.

Right now, the credit card business is having a great success specially here in the US. Competition between major credit card companies is very tight that’s why they try to come up with unique promotions like a lower APR, credit card rewards and cash back credit cards. I personally like the cash back credit cards where the company gives back to you a percentage of what you’ve spent using their card. Instead of them sending you the cash through mail, they will deduct the amount from your next statement but be smart in choosing one for some also have a catch. So, when choosing your credit card know what the conditions are and always compare credit cards so you can find the lowest APR and convince yourself it’s the best one.