CREDITCARD OFFERS: DON’T LET IT PLUNGE YOU TO DEBT PROBLEM

2007-04-17 04:46:40

( Financial )



Creditcard offers are rewards offered by credit card vendors to clients every time they used their credit cards to pay their purchases. It is an effective way to entice clients to regularly use their credit cards. Creditcard offers have long been offered to clients. It started as special privilege for high end and valuable clients. Recent years, however, made credit card specials targeted to mass based client to increase marketing prospects of credit card vendors.


Cash back

Cash back, points programs and airline miles are the usual creditcard deals offered to credit card holders. Cash back specials are one of the biggest privileges offered by credit card companies to its clients. The average cash back rate offered by credit card vendors in the industry is one percent. However, there are credit card vendors that offer more than the industry average cash back offer.

Points Program

Creditcard offers that accumulate points for clients are also getting to be popular. Clients earn points for every purchase they made using their credit cards. These points are redeemed in the form of discounts from retail and service establishments such as massage, facials, car tuning, and other household items. Some credit card companies provide gift certificates once credit card holders qualify for certain number of points. Clients can even use these points to pay off part of their credit card balance or annual fee which is a big help for people who are trying to reduce their debts.

Airline Miles

Airline miles accumulation is another popular creditcard offer that benefit mainly credit card holders who are travel enthusiasts. They earn a number of free miles whenever they use their credit cards in their purchases. The number of free miles earned depends on how large the amount of purchases being credited to client’s credit card. Airline tickets are given for free once you have attained the required number of free miles. Some credit card companies even include hotel accommodation benefit.

Cash backs, points and airline miles are great concepts for credit card offers. However, do not get blinded by these offers and recklessly use credit cards for unnecessary purchases that can lead to huge credit card debts. Do not let these credit card offers sidetracked you from using credit cards wisely.


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