5 Things To Buy With A Credit Card

Credit cards can be both a boon as well as a bane for any person. If you know how to spend your money right and not overspend then you can more than easily maintain a healthy balance when it comes to using your credit card. Technically speaking, it is never a great idea to spend money on something that you don’t have in the first place. Buying things now will mean paying for the same later and that too with interest. But nevertheless, there are some good credit card purchase ideas that you can follow if you wish to not overspend and stay within your budget. In this post, we will concentrate on some of the 5 best things that you can buy yourself using a credit card.

1. Electronics:
In this age of tech, you really can’t do away with electronic gadgets. Why not indulge yourself and get something that can prove helpful. Have you been meaning to get that Kindle for reading for a long time now? You can get them now and start your reading journey. Your old laptop dying on you already. Perhaps it’s time for a much needed change. Get a new laptop that matches your work and personal needs. The reason so many people choose the option of getting electronics is because there are always great offers on them. Different cards from different companies even provide additional perks that extends beyond your warranty period. Some credit cards even offer “Price Protection” to consumers. You can make use of the same to your advantage.

2. Travel deals:
This might come a tad off from the general things that people often go for but consider this. Getting the best deals and packages on both domestic and international travels is something that you can avail for yourself. Many companies even provide customized offers that you can make as per your needs. Some of these perks include accidental insurance, emergency assistance services and even cancellations. You can even avail concierge services with your credit cards and enjoy a vacation in bliss and pure luxury. And most cards today have a reward system on the kind of purchases you mbliss and pure luxury. And most cards today have a reward system on the kind of purchases you make on it on a regular basis. These rewards can be accumulated and used as per your wish. Have tou made plans for your next travel destination yet? Qatar Airways is now providing a multitude of deals where you can book online and get up to 10% off.
3. Basic utility bills:
Almost all credit cards today provide this option for customers. This means that you can now pay all your bills in a timely manner. You can set up dates for paying these bills and your credit card balance will take care of the rest. This will again help you earn awards which otherwise you may not earn paying your bills. What could be better than a facility as this right? Nowadays some cell phone companies even provide an option of cell phone replacement offer for the rewards system you can accumulate. A brand new phone on paying old utility bills doesn’t really seem like a bad idea. Mobile Phone Xhange is one such company that provides a variety of deals for customers to buy their favorite electronic items. You can now get up to 15% off on all iPhone purchases.

4. Mutual funds and stocks:
Now, you need not become, “The Wolf of Wall Street” overnight but you too should have a chance to invest your money in a diligent manner. Investing in stocks and mutual funds doesn’t take a keen eye of only a stock broker to figure out. You too can keep an eye out on trends, brush up your knowledge of how the trading stocks and other financial instruments function. A margin account for example works best for someone looking to borrow money to buy shares. These do however come with a high risk so its mostly advisable for seasoned pros. But, even with a basic knowledge and functioning of the stock markets and advice from fund managers can help you invest money in a more nuanced way than just spending it all in one go.

5. Restaurant bills:
Paying restaurant bill remains one of the most common things done by diners and credit card holders. In fact credit card companies offer double and triple time the bonus when you make restaurant purchases. You can easily avail up to 5% to 10% in cashback paying for your bills online. This is almost equivalent to getting rebates paying sales tax. Why wouldn’t you want it, right?

So, there we have a list of the 5 things that you can avail with the use of your credit card. Always ensure that you spend your money and credit card wisely.