Credit cards make business or shopping transactions much easier. Also by using a credit card you will often find that your goods are likely to be protected if over a certain value so it is actually more prudent to use a credit card than cash or a debit card. Also by having a credit card you don't have to carry large sums of cash around with you that can easily be lost or stolen. Shopping online has become a frequent pastime for many people - it's easier as you can do it at any time of the day - so you can wear your pyjamas if you wish. You can usually get things for less money by purchasing goods online rather than from a bricks and mortar shop.
But what if you don't have a credit card?
How do you go about getting a credit card?
Which type of credit card should you get?
What is your credit rating - this can reflect on what type of credit card is available to you.
Types of credit card
So apply for a credit card now and you'll have your new shiny plastic within a month.