Not having a credit card these days is nearly as bad as not having clothes or water! It doesn’t matter if you don’t spend 

that, a credit card can be one of the most useful tools available to you to handle those routine tasks.

Credit cards are needed for all sorts of things, such as booking a hotel room over the phone or buying goods online, you’re not able to do either of these without first having a credit card at the ready for when you are prompted for the number. If you want to rent a car and you don’t have a credit card then you’d better be prepared to walk or have money to get a taxi everywhere because there’s no way that they’re going to let you drive away with one of their cars without having a credit card from you first. Credit cards are now used almost as much as cash, and are probably more important.

Even if you are able to make all the purchases you need each month, you still need a credit card to do those things already mentioned which are swiftly become part of everyday life. Along with this, credit cards are a much safer option than cash. If your credit card gets stolen you can have it cancelled immediately, whereas there’s nothing you can do to stop people using your cash. Should you be going away somewhere and you were planning on using your credit card a lot and it gets stolen, it may be a lot of hassle to you, but at least you won’t have actually lost any money, as you would do if you had taken cash with you.

A quick phone call to the credit card company and your card can be frozen in a blink of an eye. After that it is absolutely useless to whoever took it from you. Along with this, any purchases that they may have made can also be cancelled and therefore you will not have to pay for them. This is probably the main reason that people who travel a lot prefer to take a credit card with them rather than taking cash, which doesn’t have the same security systems in place.

Online shopping is practically impossible if you don’t have a credit card. However, you can’t trust every site that there is on the web, some will try and steal your money! As long as you see the secure shopping symbol on the website, then you are able to make purchases on that site without any worry. Along with this, should you be out of town and therefore not able to pay your bill, you can have your bank account linked into your credit card account so that they payment can be made electronically, which can also save you time when you are in town as you won’t have to stand around waiting to get served in the bank.

Many gas stations nowadays are having credit card machines attached to their pumps so that rather than having to go into the store you can pay for the fuel there and then. This can save you a lot of time if you happen to be in a rush along with other advantages. If you happen to use your card a lot at that station, then you can also get yourself a gas credit card from the brand of the shop. With this you will be able to earn extras from just paying for you gas such as savings on the gas or extra gas for free.

Along with all the goodies just as over the phone booking, online shopping, rental cars and other uses, when you are using your credit card you are also helping to build yourself up a good credit rating. Responsible use and prompt monthly payment are important factors in raising your credit rating, and your credit rating is the biggest factor that is taken into account when you are applying for a loan on a home, car or another big purchase.