I buy everything with a credit card that is right I don’t have any cash this is my wallet and I don’t know if you can see that or not but there is no room for any cash in this wallet. In today’s content, I’ll be discussing about Ways to Make Your Credit Card Work for You and why it might be a good idea if you pay everything with a credit card so back in the days when I was a lot younger I used a lot of cash whenever I bought stuff and I used a lot of my debit card as well but in the past five years or so I switched everything to just paying with credit cards and I stopped holding cash there are so many reasons why using a credit card is so much better than using cash or a debit card the first benefit.
Ways to Make Your Credit Card Work for You
I realized was if I lost my wallet with cash in it that cash is gone but if I lost it with only my credit cards I can cancel my credit cards, and I can get a new one within like a week probably even less than a week especially with my Amazon Prime card. It’s gonna be alright if you lose your credit card even, if someone stole this and swiped it a few times. All you have to do is just call the credit card company and let them know that someone stole it and and these banks that own these credit cards. They have a fund just for like lost and stolen stuff so that fun covers a lot of that issue as well if you guys didn’t know these banks they have a large fund that covers lost stolen damaged stuff like that especially when you lose your card.
So they got you protected and covered for issues. I’ll go over two credit cards that I use almost on a daily basis both of them have no annual fees and you can use them everywhere as well the second reason. Why I love using credit cards and paying everything with cards is because of the customer protection. You get from the banks, if you ever scanned or frauded by any company as long as you paid with your card.
You should be able to get your money back and that’s what I loved like I’ve had a lot of issues. Where I’ve been overcharged by some companies. I did was just go onto the website list my issue and they eventually refunded me the money. I had a case with Comcast where they overcharged me for whatever reason and a lot of people know that Comcast is one of the worst companies out there they have a monopoly on the internet and on cable all across all across all across America. So they overcharged me on my cable bill they added something to my they added something to my account.
I never bought I contacted Comcast first and they would not remove it for like the first time that I called them and after that I would call the credit card company. They actually refunded me the money before Comcast even refunded me the money so customer protection from credit cards are amazing.
So the third and probably one of the best reasons why you would want a credit card is because of the rewards so this card in particular is an Amazon card and Amazon card is probably the card that I use the most I swiped this on a daily basis doordash uber eats any food any restaurants. It is all paid for from this card right here and every single time that I swipe this card. I would get rewards 1% 2% 3% depending on where I am shopping or where I’m buying from. So the card that I’m using is an Amazon rewards card from Chase and right here you can see that I have fifty five thousand points. I have no idea what I’m gonna do with these points I think probably at the end of the year.
I will just do a cash back so I think that, if I were to cash this out I would get back around five hundred fifty one dollars another thing. I can do I can probably book my next vacation I never buy any gift cards I hate gift cards. I never do anything would gift cards and what I would and what I would most likely do is buy some more stuff on Amazon. So the credit card that I have is right here. The Amazon Prime Rewards Visa Signature card and if I’m buying anything on Amazon I would get back five percent back that is a lot of cash guys.
I don’t know about you but I shop on Amazon weakly I buy all my diapers for my kids there. I use those subscriptions to refill a lot of my supplements that I buy for my workouts and for fitness and exercise and throughout the year stuff like that really adds up so so right now is the halfway mark for 2019. I already made $550 back from this rewards card the second thing about this Amazon rewards card. You would get back two percent at restaurants gas station and drugstores that’s a really self-explanatory. I don’t really need to get too deep into that and the next rewards that you get is 1% on everything else.
So I don’t know about you I like free money. I’m all about that free money and that’s why, I use this card all the time the second card that I own is a Costco credit card and that is through C Bank. I show up at Costco all the time and I’m there probably three to four times every single month so stuff like that really adds up. The one thing I love about Costco is that they come out with a gift card that product I think I got one of these, I get one of these once a year, I shop at Costco so much. I think that their rewards that the reward certificate that, I get is able to cover the Costco membership one piece of advice for me. Wherever that you’re shopping all the time try to see, if they have a credit card or rewards credit card and if they do sign up for it. It’ll pay dividends for you, if you guys are shopping there all the time so that is another great benefits from cars like these so going back to the Amazon rewards card.