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8 reasons why you should use credit cards when shopping online

By on February 15, 2022 0

Online shopping has changed the way we shop, and now we can buy almost anything we need online. Online shopping can be very profitable; Amazon alone recorded sales of $ 469 billion in 2021. Over time, more and more payment methods and security features have appeared in online stores.

If you shop online frequently, you are likely dealing with a credit card a lot. However, if you shop online, you’ll need to use a credit card instead of a debit card to protect your card information in case your account is hacked.

Credit cards, especially when shopping online, are a much safer way to pay for your items. If you are one of those customers who use a credit card for online purchases, make sure you are using it correctly. In this blog, we’ll look at eight reasons why you should use a credit card when shopping online.

Reward programs

The first reason to use a credit card when shopping online is through rewards programs. Most credit card companies have rewards programs and these are designed to encourage people to take advantage of their credit cards. Reward programs are also one of the top reasons to use your credit card when shopping online as you can earn cash rebates, airline miles, and more. Each credit card company has its own set of rewards, so it’s important to know which credit card company has a rewards program.

Special coupons for credit card users

If you use a credit card to make a purchase, you will be eligible for additional coupons and discounts that are special for credit card users. Some credit card companies offer coupon codes for cardholders only. Many online stores have started offering offers and promotions only to customers who pay by credit card. For example, if you visit a store like Sivvi, you’ll find they offer specials Sivvi rebate code and offers for credit card users.

The convenience of paying one bill at the end of the month

One of the biggest advantages of using credit cards is that you only have to pay one bill at the end of the month. It’s much easier to keep track of your payments and never be left behind. If you use a debit card and pay for something, it will be debited directly from your checking account, and if you have no money in your account, the transaction will be rejected. If you pay by credit card and have no money in your account, you can pay the bill at any time without any negative consequences. So if you are going to make an online purchase, your best bet is to use a credit card.

Security

Paying with credit cards is much safer. This is because credit cards have a layer of protection that debit cards don’t. When you make a purchase with your credit card, you are protected against unauthorized purchases. However, if you use a debit card to make a purchase, you are only protected if the bank that issued it to you has a policy that covers fraudulent transactions. Also, if your credit card is stolen, you can contact your bank and get a new card for free. In addition, a credit card is attached to the insurance, where if the card is stolen and used by another person, you will not be charged with such transactions. However, this must be reported to the bank as soon as possible.

You can dispute a charge (purchase protection)

If you’ve ever made an online purchase, you’ve likely been struck by the buyer’s remorse. It’s a normal part of online shopping, but can be especially frustrating when it comes to big-ticket products. If you decide you don’t want an item, you may be concerned that you won’t be able to get your money back. This is not necessarily the case. If you are using a credit card, you can dispute the charge. By using a credit card, you can challenge the charge if the product is significantly different from what is described in the listing.

You get Miles!

If you shop online a lot, you know the feeling when you order something online, pay with your debit card, and a few days later it arrives by mail. You order a product; you need it, you understand, you are happy. But then it happens again. And again. You order a product, it arrives in the mail just a few days later, and you don’t get a reward for that purchase. You don’t actually get any of this. This is normal hassle for people who use debit cards or cash to buy things online. You see, when you use your credit card to buy something, you get all kinds of rewards, miles, cashback – call it.

Pay for large purchases with Easy EMIs

One of the reasons why you should use credit cards for online purchases is to use easy EMI. Shopping for big money like furniture or electronics may seem like a lot of money, but spread it out over a few months and it becomes something you can live with. You can pay for it as a lump sum or spread it over several months. This is one of the best things about shopping online with credit cards. So if you are thinking of buying a new TV or sofa, use a credit card and make the payment within a few months.

Build your credit score and history

If you’re trying to build up your credit score and history, it’s a good idea to use your credit card to make purchases, even if you have to pay with cash or debit at the end of the month. Using your credit card to make purchases will allow you to build your credit history and scores on reputable websites. This is especially useful if you have a limited credit history due to your age or you have poor creditworthiness due to past mistakes. By using your credit card to make the purchases you need, you will build a good credit history and score.