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Tricks to Saving Money with a Credit Card

woman-shopping-online-with-credit-card.jpg

When people hear the word credit card the last thing that goes through their mind is how a credit card can be a money saving tool. Credit cards get a bad reputation due to how easy it is for someone to mismanage their spending. However, there are a lot of unknown benefits that can come from utilizing credit cards.

Unheard of Credit Card Benefits:

• Price matching

• Extended warranties

• Damaged Goods Protection

• Guaranteed Returns

• Cash Back

Price Matching:

If you've ever gone to purchase a household appliance, then you are probably already aware of retail stores offering price matching. What you may not have known is that credit card companies also offer price matching. With the proof of a purchase, some credit card companies allow reimbursement if an item goes on sale or if it was selling for a lower price at another store.

Extended Warranties:

Many credit card companies offer extended warranties without any extra cost. Consumers benefit greatly from these warranties especially after a manufacturer warranty has expired. Credit card warranties usually extend the coverage of an item for up to a year or two past the manufacturer expiration date.

Damaged Goods:

In the event of an accident such as with fire, smoke or water most credit card companies offer some type of insurance. Credit cards that provide insurance usually cover up to $500 per damaged good or $50,000 per year as long as the goods were purchased within 90 to 120 days.

Guaranteed Returns:

Majority of people don't realize that some credit card companies allow you to return purchases to them directly for refunds. However, there are some exceptions. According to CreditCards.com, "many won't take jewelry, art or cellphones."

Cash Back:

One of the most popular benefits of credit cards has to be the option to receive cash back. By spending money on groceries or gas at a gas station, consumers are able to receive a percentage of the cash they spent.

 

We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: Washington Post | Credit Cards

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