Essentially, because credit cards can save us all a great deal of time, hassles, and even money in some cases. The key to being a credit card holder is to never over-extend yourself and to make sure that you use the credit cards responsibly. In the United States, at least eighty percent of household have one form of credit card, while most have multiple. There are many advantages to having and using credit cards, again, provided that they are used responsibly. Credit Cards can save you a great deal of time in many different ways. For example, thanks to credit cards, you do not have to worry about carrying checks, cash, or running off to the bank before it closes. Furthermore, thanks to the internet, credit cards can be used all over the internet to shop for needed items or gifts. This means you beat the rush at the store at Christmas time or if you are really pressed for time, you do not have to drive across town, search all over the store (or many stores), and wait in line. Credit cards just have made life a whole lot easier.
What is more is that today, it is very difficult to get hotel reservations, car rental, airline tickets, or any form of travel arrangements without a credit card. Credit cards can also be used as a form of identification in various different situations. As you can see, credit cards are a big help in a lot of ways. However, you may not know that they can even save you money. With a credit card, you are protecting your cash essentially, this is true especially with bank debit cards that act like credit cards.
You do not run the risk of losing your cash, if the card is stolen, thieves cannot generally use it because it requires a matching signature and sometimes identification as well. If you purchase an item that arrives damaged, not what you wanted, or simply change your mind, most credit cards provide protection against these sort of things, and you can return the item for your money back. Furthermore, many credit cards protect against identity theft. If someone were to steal your credit card and attempt to charge it, you would not be held responsible for those purchases.
Of all the ways credit cards make life easier, it is no wonder why most Americans possess at least one in their wallet.
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