Going through life without a credit card these days is so difficult as to be nearly impossible. Even if you're not really a shopper, you will still need one for many day to day uses.

If you want to book a flight or a hotel room, you're going to have to have a card in order to do so. And if you want to be able to shop online or by phone, it is a must have item.

Just try to rent a car sometime without a card - it's just not going to happen unless you have one to present to the clerk. Credit is unavoidable and that's all there is to it.

Even if you have no shortage of cash, a card is necessary for these common transactions already mentioned and many others besides. Suppose you are robbed while traveling - there's no getting that cash back.

Even if the thief is apprehended, your cash is going to be long gone. If you instead had a credit card which was stolen, you will have some inconvenience, but your money will be safe.

Just call your card company and your account will be locked; making it useless to the thief. If there were any charges made before you could call, they will be written off. Travelers generally prefer cards to cash for this reason.

A credit card is a necessity for online shopping. You should always look for the secure shopping icon when doing so - if you see it there, you can enter your information to pay with peace of mind. You can link up your bank account and your card for easy fund transfers when you simply don't have time to get to the bank or are traveling.

Credit cards also offer a lot of convenience. For instance, rather than running into the gas station and waiting in line, just swipe at the pump and be on your way. When you're in a hurry, you will really appreciate this kind of convenience.

If you are a frequent customer a t a particular gas station, you may want to consider getting a gas card for that station; they will frequently offer extra discounts or bonus gasoline for purchases with that card.

Best of all, you are building a credit history as you shop online, make reservations and the like. As long as you use your card responsibly and make your payments on time, your credit rating will continue to rise, making it easier to secure financing for major purchases such as a home or car later on.


Nick Makaryk is an Internet Publisher, Copywriter, and Founder of Best Credit Cards A Free consumer Credit Card Comparison site helps consumer minded individuals find the perfect credit card while avoiding high interest rates, charges, and no fees. Compare all Low Interest Credit Cards from accredited card issuers Visa, Master Cards, Discover, American Express.