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2 mins Read | 2 Years Ago

Why You Should Use a Credit Card For Any Expenses?

Why You Should Use a Credit Card For Any Expenses


Holding a Credit Card has many advantages, as long as you use it responsibly. It gives you the freedom to purchase all that is within the credit limit and you can pay the amount, later. Read on further, to know five reasons why you should use a Credit Card.

Has it ever happened that you have limited money to fund an emergency, event or buy a gadget? There is a solution to a lot of your financial woes and that is owning a Credit Card. A Credit Card can be a saviour, whether you want to fund any medical exigency, pay a child’s education fee, buy an expensive gadget or simply use it for daily expenses. There are varied Credit Card uses. So, here are five reasons why you should use it or how should you use a Credit Card, for the first time:

  • Building Credit History: A CIBIL score is an important factor that banks assess, to know your credibility. Using a Credit Card is the best way to improve your credit score. In future, if you want to apply for a Home Loan or an Auto Loan, then having a healthy credit score will increase your chances of a loan approval

  • Attractive Cashbacks: Using Credit Cards for shopping for good and services will provide you access to cashbacks and reward programmes. You can enjoy cash rewards, PAYBACK offers and much more! For instance, ICICI Bank offers an extensive range of benefits on Credit Cards. Whether you are an avid shopper, movie buff, or a frequent flyer, use a Credit Card to meet your specific needs. Apply for ICICI Bank Credit Cards and get amazing offers

  • Helpful during an emergency: Life is unpredictable. There are times when you would require immediate funds, during an emergency. In such circumstances, Credit Cards can be extremely useful; when unforeseen expenses arise. If your car breaks down or you want to urgently pay your child’s school/college fee or pay any utility bill or daily expense, then a card can be a lifesaver

  • Safer than carrying cash: These days, everyone prefers to make cashless payments, whether it is a mobile app or a Credit Card. In fact, Credit Cards are accepted worldwide. Without worrying about a shortage of money, you can shop for anything, pay rentals or pay for travel expenses, with just a swipe. For instance, some hotel reservations require you to make a payment through a Credit Card. This is because, in case you run out of cash, hotel companies are assured that your card will cover the additional cost.

  • Use a Credit Card for a Personal Loan: Now, you can avail a personal Loan on a Credit Card, an exclusive service provided by ICICI Bank to select customers. With attractive interest rates and minimum documentation, you can avail a loan of up to Rs 20 lakh, taking into account your credit history and transaction pattern. If you have put your vacation plans on hold, then you can now fulfil them, with the help of a Personal Loan on a Credit Card.

You can avail all of the above advantages. However, you must be cautious while using the card, as frequent usage can lead to unwanted debt. You can easily apply for an ICICI Bank Credit Card that comes with various benefits and exciting offers, such as fuel surcharge waiver, dining offers, PAYBACK points and much more!


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