HomeBlogUncategorizedThe Best Benefits Of Credit Cards That You Are Not Using!

What are the benefits of a credit card?

The Best Benefits Of Credit Cards That You Are Not Using!

by / 0 Comments / Mar 30, 2015

There are many benefits of credit card usage.All, of course come with the wonderful buy-now-pay-later option, but many provide other sweet perks. Here are the most common underused benefits. If they come with your account – and many are actually standard fare – take advantage!

Consumer protection

How many times have you bought something and then had to fight with the store or manufacture because it wasn’t up to snuff? Or you ordered it but it never arrived or with broken parts. Use your credit card to pay for it, and you have some pretty powerful protection on your side. If you get no resolution with the store, you can take the matter up with your issuer, which might remove the charge from your bill.

Credit card insurance benefits

Also free, depending on the issuer, are a variety of supple-mental insurance plans that are great benefits of credit cards. For example, the issuer may of-fer credit card car insurance to cover collision insurance for car rentals or provide credit card travel insurance to cover trip cancellations. Call and find out what is embedded into your particular product, so you don’t buy more protection than you really need.

The benefits of a credit card often include price matching

Some issuers offer a complimentary benefit designed to ensure that you always get the best deal. After registering items that you’ve bought, the issuer will scan retailers’ websites for a fixed number of days. If they spot a better price (or you do with your own search, then notify them), the difference will be re-funded to your account.

Concierge services

Always wanted a personal assistant? A substantial number of credit products offer concierge services as one of the benefits of credit card usage. These services can help you smooth out many of life’s annoying wrinkles. From placing friendly wake-up calls to securing restaurant and travel reservations to party planning, a whole slew of helpful people may be just waiting for your special request.

Roadside protection

And my favorite perk of all concerns something that you can’t put a price on: safety. Your credit card may offer roadside assistance, and if they do, can find someone to lend a hand or provide a ride in the event that your car breaks down or a tire blows. Some plans are so fantastic that they’ll respond to your SOS, no matter what time of day or night, or where you’re stranded.

There’s no reason to waste money paying for something that an issuer has already given you, or to struggle with a pesky task that they can help you complete. Maximize your credit card benefits today, and come out ahead of the game.

About the Author

Erica Sandberg is a renowned personal finance editor, advice columnist, and reporter. She hosts her own video program, Making it with Erica, and is a frequent guest on national news shows, from Fox to CNN. Her book, Expecting Money: The Essential Financial Plan for New and Growing Families was the first to address the specific financial needs of new parents. Erica is the spokesperson for some of the finest businesses and products in the U.S., including Western Union, the Better Business Bureau, Bank of America, CVS Pharmacy, Michael Minna Restaurant Group, Bounty paper towels, Chase Card Services, and Assurant Solutions. Prior to her her current journalism career Erica was affiliated with Consumer Credit Counseling Service of San Francisco for ten years.

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