5 Reasons Shopping With Your Credit Card is Better than with Cash
There are obvious benefits.
(SPOT.ph) Is your credit card burning a hole in your wallet? Or worse, gathering dust and possibly cobwebs, unused and ignored? Well, now’s the time to whip it out and do some swiping. Check it, folks: paper is out, plastic is in!
See, as long as you remember to do it wisely, shopping on credit can be far more rewarding than doing so with cold hard cash. Don’t believe us? Here are 5 reasons that might convince you otherwise:
It’s safer to carry plastic than a large amount of money.
We won’t deny that it’s a good idea to always have a bit of cash on you. A bulging billfold, though? Practically a siren call to thieves and muggers everywhere. We’re knocking on wood you never get targeted, but why take the risk at all when you can just use a credit card?
It’s easier to keep track of your expenses.
The paper trail means you’ll always have a record of all your purchases and payments. Which is pretty handy, especially when you’re the type who always ends up scratching his head, wondering where the hell all his money went.
You can make big purchases without too much hassle.
Whenever you need to buy something that’s worth more than the cash you have with you, credit cards can be lifesavers. And the best part? More often than not, you’ll be able to pay off whatever you bought in installments.
They’re incredibly convenient online.
In the age of online shopping (and well, online everything), transactions happen much more smoothly when you’re using credit. Paying with cash, on the other hand, may limit your options since a lot of deals are offered only to credit cardholders.
You get showered with treats.
Banks usually package their credit cards with exclusive benefits. In general, the more often you use your credit card, the more points you earn, and the more perks you can avail. And well, let’s be honest here: being rewarded for shopping? Sounds like a pretty sweet deal to us!
In fact, if you’re a shopaholic and a BDO Credit Cardholder, you’re in luck—the "Shop. Choose. Redeem." Promo with The SM Store is about to make your shopping experience a whole lot more fun!
Here’s the deal: you can shop anywhere you want, and every time you charge a P3,000 single-receipt purchase to your BDO Credit Card here and abroad, you can get a free P100 Gift Certificate from The SM Store, which you can then use at any branch of The SM Store; just remember to bring your charge slips for validation. The promo runs until March 31 2017, but you can redeem your Gift Certificates until May 31, 2017. Find out more about the promo and other BDO Credit Card perks here.