1. Advantages and Disadvantages of Credit Card

2. Credit Card A Credit card is a payment card issued to users as a system of payment. It allows the cardholders to pay for goods and services based on the holder's promise to pay for them.

3. Advantages Convenience :- Credit cards can save your time and trouble- no searching for an ATM or keeping cash on hand. Record Keeping :- Credit card statements can help you track your expenses. Low Cost Loan :- You can use revolving credit to save today, when available cash is a week away. Instant Cash :- Cash advances are quick and convenient, putting cash in your hand when you need it. Balance Surfing :- Many credit card companies offer low introductory interest rates.

4. Disadvantages Overuse :- Revolving credit card makes it easy to spend beyond your means. Paperwork :- You will need to save your reciepts and check them against your statement each month. High Cost Fee :- Your purchase will suddenly become much more expensive even if carry a balance or miss a payment. Deepening Your Debt :- Consumers are using credit more than ever before.

5. Safety Tips: Do This Do remember that your credit cards and check cards are as good as cash. Do routinely check your credit report for any unusual or unrecognizable activity. Do memorize your card PIN. Do sign your plastic cards with parmanent ink immediatly upon reciept.

6. Don't loan your card anyone. Dont't keep your Social Security number in your wallet. Don't allow your card out of sight during a sales transation. Don't write your plastic card number on a personal check. Don't keep personal information in your desk at work Don't Do This

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