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Are you dreading Christmas shopping? This is how you can use your credit card in a profitable way this Christmas

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If you want to make the Christmas shopping as cheap as possible, it can be profitable to use a credit card as a payment solution.

If you want to make the Christmas shopping as cheap as possible, it can be profitable to use a credit card as a payment solution. Since credit cards come with various benefit programs, you can, for example, get discounts on several items, or money back when you shop.

Remember that you must pay the credit card bill before it is due if you are going to use a credit card for a cheaper Christmas.

Christmas shopping on credit is increasing

Statistics from banks and credit companies show that more and more people use credit cards when Christmas comes. In addition, the statistics show that there are more men than women who resort to the credit card.

In order for it to be profitable to use the card, it is important not to delay the repayment.

This is how you can use your credit card smartly

It is important to limit the costs before deciding to use the credit card for Christmas shopping. With smart credit card usage, it means you avoid interest but at the same time get discounts on various things along with other benefits.

You can achieve this in several ways. Among other things, you must avoid withdrawing cash with the card, because the interest accrues as soon as the transaction is made. This applies to all types of withdrawals.

If you have up to 50 days of interest exemption when you buy goods or services with the credit card, you should try to make the most of this. Remember to pay all outstanding credit by the deadline on your next bill. 

You will be given the option to pay a minimum amount when you pay the invoice, you should steer clear of this if you want to avoid interest.

If you do not have the chance to pay the entire outstanding credit amount, you should pay down as much as you can otherwise. In this way, you reduce the interest costs.

Do your best to use the card for things you can afford to pay back before the credit card bill is due. If you do that, you can save a lot of money on your Christmas shopping.

Money back when credit cards are used

By use a credit card as a financing solution, there are two simple ways to save some money, namely cashback (money back) and fixed discounts. Another reason why you should use a credit card is that you often get free insurance.

Are you doing your Christmas shopping online this year?

Today, credit cards are the most secure means of payment, especially if you are going to shop online. Despite this, you should consider some factors when shopping digitally. 

You should, among other things, use stores that are well-known and that you know many people shop at. There are many fake online stores out there, which you can read more about at The Norwegian Consumer Authority.

Avoid ordering an item as soon as you see that the store operates with very low prices, if you allegedly get absurdly good prices, you should be very critical.

If you are defrauded online, the chances are good that you will get your money back as long as you paid by credit card. at the Consumer Council websites you can read more about how you can go about making a complaint if you have been defrauded online.

 

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