Credit Card- Your Best Friend or Foe?

Credit cards can be your friend or foe, depending how carefully or carelessly you use them. These days most people have credit cards and it is likely that you've heard many stories of credit card users complaining of overcharges and how they got into trouble using them. But it is also a fact that every coin has two sides to it. Similarly, credit cards too have both pros and cons to them. To know how credit card can be of great use to you,  call Debenhams Credit Card Contact Number and talk directly with representatives. 

You need to be careful with credit cards and know your limits. It is a financial agreement between you and the company which specifies that you borrow a certain amount of sum from the lending institution on the condition that you'll pay back the borrowed amount in future. The credit card service provider agrees to lend you a certain amount of sum and in turn you are expected to return it over a certain period of time with pre-defined rate of interest. If you fail to so, you are charged high interest rates which often become the cause of many people complaining of overcharging. 

Credit cards can be very convenient. Let us say that you are out in a shopping mall and spot a beautiful piece of wrist watch that will compliment a newly stitched suit you recently ordered for a coming party. You were searching for this type of watch for long but you were not able to find it. Now that you've found it, the problem now you are facing is that you don't have any money to buy it. You are confused because you want this watch, but it's not possible without money. Thanks to your credit card, you can buy anything you want by using it. You can use credit cards at local retail stores as well as online stores. The good thing about having a credit card is that if your credit score is good i.e. you make payments on time, you enjoy good rankings and you can avail discounts too. 

By visiting the website of an online telephone directory, you can find an accurate Debenhams credit card contact number, communicate with them directly at 5 pence per minute. There are other big retail stores too that offer their customers a facility of credit cards. You can also get their contact numbers from an online telephone directory and get to know about their terms and conditions of issuing a credit card. You can also compare their interest rates and payment duration, this making it a whole lot easier to make a sound decisions.

All in all, you can use credit cards to your advantage if you know how to use them carefully and draw a line between overspending and spending wisely. It is very easy to go overboard with spending on things that you really don't need and then face difficulty in returning payments. Use credit cards wisely and they will be your best friends.

Report this Page