When credit cards are used wisely, they offer an incredibly convenient way to pay for goods and services. They fit neatly in your wallet, you don’t have to carry loads of cash, and you can easily shop from the privacy of your own home via the Internet – all thanks to a little piece of plastic.
The other bonus? When you pay for things with a credit card, you are guaranteed by law to receive them as promised. If you don’t, federal regulations require that credit card issuing banks reverse transactions in these types of cases in the form of a chargeback.