Online shopping has changed the way we shop, and now we can buy almost anything we need online. Shopping online can be very lucrative; Amazon alone recorded $469 billion in sales in 2021. Over time, more payment methods and security features have been seen in online shopping stores.
If you’re a frequent online shopper, you probably deal with your credit card quite often. However, if you shop online, you should use a credit card instead of a debit card to protect your card information in case your account is hacked.
Credit cards, especially for online purchases, are a much safer way to pay for your items. If you’re one of those customers who uses their credit card to shop online, you need to make sure you’re using it correctly. This blog will look at eight reasons why you should use your credit card when shopping online.
The number one reason to use your credit card when shopping online is because of rewards programs. The majority of credit card companies have rewards programs, and they are meant to encourage people to use their credit cards. Rewards programs are also one of the most important reasons to use your credit card when shopping online, as you have the opportunity to earn cash back, 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 which type of rewards program.
Special coupons for credit card users
If you use your credit card to make a purchase, you will be entitled to additional coupons and discounts reserved for credit card users. Some credit card companies offer coupon codes exclusively to their cardholders. Many online stores now offer offers and promotions only to customers who pay with their credit card. For example, if you visit a store like Sivvi, you will find that it offers Sivi discount code and offers to credit card users.
The convenience of paying just one bill at the end of the month
One of the main 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 fall behind. If you use a debit card and pay something, it comes directly from your checking account, and if you don’t have money in the account, your transaction will be declined. If you pay for a credit card and don’t have any money in your account, you can pay the bill anytime without any adverse effects. So, if you are going to make a purchase online, it is best to use a credit card.
Paying with credit cards is much safer. This is because credit cards have a layer of protection that debit cards do not. When you use a credit card to make a purchase, 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 to cover fraudulent transactions. In addition, if your credit card is stolen, you can contact your bank and have a new card sent to you free of charge. Also, insurance comes with a credit card, where if your card is stolen and used by another person, you will not be charged for such transactions. However, you should report this to the bank as soon as possible.
You can dispute a charge (protections for your purchases)
If you’ve ever made a purchase online, chances are you’ve been hit with buyer’s remorse. It’s a normal part of shopping online, but it can be especially frustrating when it comes to big-ticket items. If you decide you don’t want an item, you may be worried that you won’t be able to get your money back. This is not necessarily the case. If you’re using a credit card, you can dispute the charge. With a credit card, you can dispute a charge if the product is materially different from what was described in the listing.
You get miles!
If you’re a frequent online shopper, you know the feeling when you order something online, pay with a debit card, and it arrives in the mail a few days later. You order a product; you need it, you get it, you’re happy. But then it happens again. And even. You order a product, it arrives in the mail a few days later and you don’t get a reward for that purchase. In fact, you got nothing out of it. This is the normal situation for people who use debit cards or cash to buy things on the internet. You see, when you use a credit card to buy something, you get all kinds of rewards, miles, cash back, and so on.
Pay for large purchases with Easy EMI
One of the reasons you should use credit cards to shop online is to take advantage of easy EMIs. Major purchases like furniture or electronics may seem like a lot of money, but spread them out over a few months and it becomes something you can live with. You can either pay it in a lump sum or spread it over a few months. This is one of the best things about shopping online with credit cards. So if you are planning to buy a new TV or a new sofa, use your credit card and make the payment over a few months.
Build your credit score and history
If you’re trying to boost your credit score and history, it’s a good idea to use your credit card to make purchases, even if you have to pay cash or debit at the end of the month. Using your credit card to make purchases will help you build a credit history and score on reputable websites. This is especially useful if you have a limited credit history due to your age or have poor credit due to past mistakes. By using your credit card to make the purchases you need, you will build a good credit history and a good credit score.