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 saw a whopping $469 billion in sales in 2021. With time, more payment methods and security features have been witnessed at online shopping stores.
If you are a frequent online shopper, then you are likely dealing with your credit card quite often. However, if you’re shopping online, you need to use a credit card instead of a debit card to protect your card information in case your account gets hacked.
Credit cards, especially for online shopping, are a much safer way to pay for your items. If you are one of those customers who use their credit card to shop online, then you should make sure that you are using it properly. This blog will look at eight reasons why you should use your credit card when shopping online.
Reward Programs
The first reason to use your credit card when shopping online is because of the rewards programs. The majority of credit card companies have rewards programs, and they are meant to encourage people to use their credit cards. The rewards programs are also one of the most important reasons to use your credit card when shopping online because you have the potential to earn cash rebates, airline miles, and more. Each credit card company has its own set of rewards, so it’s important to know what credit card company has which kind of rewards program.
Special Coupons for Credit Card Users
If you use your credit card to make a purchase, you will be eligible for additional coupons and discounts that are special to credit card users. Some credit card companies offer coupons codes exclusively to their cardholders. A lot of online stores have now started giving offers and promotions only to customers who pay using their credit cards. For example, if you visit a store like Sivvi, you’ll find that they give special Sivvi discount code and offers to credit card users.
The Convenience of Just Paying One Bill at the End of the Month
One of the biggest benefits 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 for something, it comes directly out of your checking account, and if you don’t have the money in the account, your transaction will be declined. If you are paying a credit card and don’t have the money in your account, you can pay the bill at any time without any adverse effects. So, if you’re going to make a purchase online, it’s best to use a credit card.
Security
Paying with credit cards is much more securer. It is because credit cards have a layer of protection that debit cards do not have. 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 the policy to cover fraudulent transactions. Furthermore, if your credit card is stolen, you can contact your bank and have a new card sent to you for free. Plus, 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 need to report that as early as possible to the bank.
You Can Dispute a Charge (Protections for Your Purchases)
If you’ve ever made an online purchase, chances are you’ve been hit with buyer’s remorse. That’s a normal part of online shopping, but it can be especially frustrating when it comes to big-ticket items. If you decide you don’t want an item, you might be worried that you won’t be able to get your money back. That’s not necessarily the case. If you use a credit card, you can dispute the charge. With a credit card, you can dispute a charge if the product is significantly different than 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 again. You order a product, it arrives in the mail just 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 predicament for people who use debit cards or cash to buy stuff from the internet. You see, when you use a credit card to buy something, you get all sorts of rewards, miles, cashback – you name it.
Pay for Big-Ticket Purchases with Easy EMIs
One of the reasons why you should use credit cards for shopping online is to take advantage of easy EMIs. Big-ticket purchases like furniture or electronics might 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 for it in a lump sum or spread it out over a few months. This is one of the best things about shopping online with credit cards. So, if you’re thinking of buying a new TV or sofa, use your credit card and make the payment over a few months.
Build Your Credit Score and History
If you are trying to build up your credit score and history, then it is a good idea to use your credit card to make purchases, even if you have to pay with cash or debit at the end of the month. Using your credit card to make purchases will allow you to build up a credit history and score on reputable websites. This is especially useful if you have a limited credit history because of your age or if you have a poor credit score due to past mistakes. By using your credit card to make the purchases you need, you will build up a good credit history and score.
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