Using Credit Card Promos to your Advantage

Nowadays, people choose to obtain a credit card because it offers a plethora of benefits. For many people, credit cards are more convenient than cash, useful in times of emergencies, and protect your purchases by keeping track of your expenses. However, credit card benefits go beyond mere convenience. You could take advantage of the numerous rewards and promotional services that a simple plastic card could offer to you. By using your credit card in various transactions, it could offer extra perks that cash or debit cannot give you. Here are some of the surprising benefits and promos you could enjoy in using your credit card.

Take Advantage of your Credit Cards!


Are you an unhappy customer who is dissatisfied with the service or product you paid for? If you want a refund for your money and the company won’t return it to you, your credit card company might help you with it. This process is called chargeback. Customers can file a dispute to the charges in their credit card statement when goods and services are not delivered within the specified time frame, products received are damaged, or the purchase was not authorized by the credit card holder. The credit card merchant refunds the money to you and then charges the cost to the business. However, the credit card company may require to you meet certain condition or requirements before granting you a chargeback.


All of us love discounts, and your little credit card could be a way to lower your expenses if used wisely. Credit card companies have selected business partners in which they could offer discounts and rewards to their customers—from retail partners and department stores to restaurants and companies. Some credit card companies also offers astonishingly low price on certain items/services in a particular business at a given timeframe, so you might want to take advantage of these promos.

Airline Benefits.

You could gain enticing benefits in using your credit card in purchasing plane tickets from an airline. There is a wide range of perks for you to choose from—discounted airline ticket, hotel accommodation, travel package, free restaurant meal, and awesome promos and freebies! There are also additional credit card perks that provide added protection for travelers such as trip cancellation and delay insurance, lost luggage insurance, and travel and emergency assistance. This particular advantage of credit card is perfect for you if you are the kind of person who travels a lot.

Earn points and bonuses

Through your credit card purchases. Earning while spending sounds cool, right? Well, if you use your credit card whenever you shop or purchase something, you could earn points which you could then redeem for goods and services. The points you earned could also be converted into reward vouchers.

In order to maintain a strong edge among their competitors, credit card companies offer various promos to its customer. Credit cards can make life easier and more convenient, but always make sure to use them wisely to avoid serious financial burden. Remember that credit card companies start making their money when you cannot afford to pay off your charges. Using credit card promos to your advantage can be really helpful as long as you remember your spending limits.

Mark Hugh Neri

Looking for financial planning workshop or for life and/or health insurance with investment options? Got questions related to personal finance? Feel free to message me at Money Gizmo (see link below)

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