{"id":1024,"date":"2022-03-14T18:31:53","date_gmt":"2022-03-14T18:31:53","guid":{"rendered":"https:\/\/www.lendnation.com\/pros-and-cons-of-using-credit-cards\/"},"modified":"2025-07-30T14:09:46","modified_gmt":"2025-07-30T14:09:46","slug":"pros-and-cons-of-using-credit-cards","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/pros-and-cons-of-using-credit-cards\/","title":{"rendered":"Pros and Cons of Using Credit Cards"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2022-03-14T18:31:53+00:00\">March, 2022<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Pros and Cons of Using Credit Cards<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/03\/build-credit.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/03\/build-credit.jpg 2000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/03\/build-credit.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/03\/build-credit.jpg?resize=768,384 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/03\/build-credit.jpg?resize=1024,512 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/03\/build-credit.jpg?resize=1536,768 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>There are more than <a href=\"https:\/\/www.statista.com\/statistics\/245385\/number-of-credit-cards-by-credit-card-type-in-the-united-states\/\" target=\"_blank\" rel=\"noopener\">1.1 billion credit cards<\/a>&nbsp;in the United States.<sup> <\/sup>That\u2019s more than three times the number of debit cards out there. And here\u2019s why. They\u2019re convenient and secure. They give you financial freedom and a wealth of opportunities to improve your life, but only if they\u2019re used responsibly. There\u2019s a flip side to all those credit card benefits. When mismanaged, credit cards can saddle you with debt and a poor credit score that makes it hard to buy a car, secure a mortgage or take out any kind of personal loan. Let\u2019s take a closer look.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros\">PROS<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-helps-build-credit\">Helps Build Credit<\/h3>\n\n\n\n<p>Good credit is a great thing. When you have a positive track record for paying off credit card debt, lenders are more likely to work with you. <a href=\"https:\/\/www.creditkarma.com\/credit-cards\/i\/pros-cons-credit-cards\" target=\"_blank\" rel=\"noopener\">Responsible credit card<\/a>&nbsp;use gives you a better shot at lower interest rates and higher credit limits, too.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-rewards-points\">Rewards Points<\/h3>\n\n\n\n<p>Prepaid debit cards don\u2019t offer rewards points. Credit cards do. From cash back to airline miles to discounts on shopping, rewards points can improve your quality of life. Remember though: many credit cards charge fees for their rewards programs. Do the math to be sure the benefits outweigh the cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-protects-against-fraud\">Protects Against Fraud<\/h3>\n\n\n\n<p>When it comes to fraud, credit card companies offer <a href=\"https:\/\/www.forbes.com\/sites\/catherineschnaubelt\/2019\/02\/15\/the-pros-and-cons-of-credit-cards\/?sh=2280ef051e8b\" target=\"_blank\" rel=\"noopener\">more protection than debit cards<\/a>&nbsp;do. Most credit card companies also monitor suspicious activity and can catch unauthorized charges before you know they\u2019ve happened. If someone steals your information and goes on a spending spree, the credit card company can proactively freeze your card to prevent additional purchases.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-helps-you-track-spending\">Helps You Track Spending<\/h3>\n\n\n\n<p>Saving money starts with understanding where it all goes. Every single purchase you make with a credit card becomes a line item on your monthly statement. And many credit card companies offer easy-to-read breakdowns of the categories where you spend the most money. That\u2019s a handy resource when you\u2019re trying to get a handle on your overspending and a great tool for budgeting in general.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cons\">CONS<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-overspending\">Overspending<\/h3>\n\n\n\n<p>That little plastic card doesn\u2019t look or feel like cash. It\u2019s easy to swipe without thinking through how much money you\u2019re spending. If you\u2019re not mindful of your purchases, you can land yourself in financial hot water in a hurry. Pay attention to your spending. Wait 24 hours before making big purchases to give yourself time to think them through. And if you can, pay off your debt in full each month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fees-and-interest\">Fees and Interest<\/h3>\n\n\n\n<p>If you miss a payment, you\u2019ll be charged a fee. If you carry a balance from month to month, you\u2019ll be charged interest on your purchases. The more payments you miss and the more months that pass, the more fees and interest you\u2019ll be charged. Before you know it, that initial purchase can spiral into charges that are hard to pay off. Do yourself a favor and pay off your credit card debt each month. If you can\u2019t do that, pay as much as you can. You\u2019ll save yourself a lot of money down the road.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-hurt-your-credit-score\">Can Hurt Your Credit Score<\/h3>\n\n\n\n<p>Good credit can make life easier. Bad credit can wreak havoc. Over time, high balances and missed payments can do serious damage to your credit score. This can make it hard (or impossible) to get a mortgage or a low interest rate on a car loan or personal loan. Be diligent about paying down your debt. Your credit score depends on it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-online-payday-loans\">ONLINE PAYDAY LOANS<\/h2>\n\n\n\n<p>If you\u2019re having trouble making a credit card payment, LendNation can help. Our flexible loans and instant debit card funding can get you the cash you need to make your payment on time, all with a hassle-free application. Apply in-store or online to get the money you need the day you need it. <a href=\"https:\/\/www.lendnation.com\/location\/\">Find a location<\/a> or <a href=\"https:\/\/www.lendnation.com\/\">apply now<\/a>.<\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11456 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-tips tag-automate-savings tag-budgeting-tips tag-build-an-emergency-fund tag-direct-deposit-split tag-emergency-fund tag-emergency-savings tag-rainy-day-fund tag-save-money tag-separate-savings-account tag-six-month-savings-plan\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">How to Choose the Right Loan for Your Financial Needs in 2026<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-02-18T20:52:02+00:00\">February, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Building an emergency savings fund is possible, read these LendNation tips to learn how\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg 5200w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-choose-the-right-loan-for-your-financial-needs-in-2026\/\" target=\"_self\" >How to Choose the Right Loan for Your Financial Needs in 2026<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t\t<li class=\"wp-block-post post-5141 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-tips tag-automate-savings tag-budgeting-tips tag-build-an-emergency-fund tag-direct-deposit-split tag-emergency-fund tag-emergency-savings tag-rainy-day-fund tag-save-money tag-separate-savings-account tag-six-month-savings-plan\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">How to Build Emergency Savings in 6 Months or Less<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-02-07T10:30:00+00:00\">February, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Building an emergency savings fund is possible, read these LendNation tips to learn how\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg 5200w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1536,1024 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=2048,1365 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/02\/how-to-build-emergency-savings-LendNation_1898af.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-build-emergency-savings-in-6-months-or-less\/\" target=\"_self\" >How to Build Emergency Savings in 6 Months or Less<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>While using credit cards sometimes makes life easier, there are also reasons to not use a credit card. Learn to better control your finances.<\/p>\n","protected":false},"author":18,"featured_media":1025,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[],"class_list":["post-1024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pros and Cons of Using Credit Cards - LendNation<\/title>\n<meta name=\"description\" content=\"While using credit cards sometimes makes life easier, there are also reasons to not use a credit card. 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