Credit cards

Many young millennials are somewhat bad spenders, causing themselves to go deeper and deeper into debt even after their student loans. However, this shouldn’t discourage you from getting a credit card. Credit cards have many benefits to them that you can utilize without having to go into debt. All you have to do is make sure that you have the discipline to pay the card off at the end of the month. In the end, you’ll have to do the research to see which card is best for you. In this article, I’m going to be breaking down some of the top reasons to get a credit cards

1. Builds credit
To qualify for a loan or even get an apartment, you’ll need to have a pretty good credit score. Simply get a credit card and make small purchases every month that you can guarantee will be paid off. This activity will benefit you in the future

2. Rack up points
Who loves to travel? I sure do! Some credit cards allow you to rack up air travel and accommodation points that can ultimately assist you when you are going on vacation or traveling for business.

3. Cashback
Cashback is a very great thing especially if you are running a business and are purchasing a lot of inventory. Cashback can be the difference between getting hundreds of dollars back and not money at all back.

All in all, these are my top three tips on why it is smart to get a credit card.

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