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What are the benefits of using a credit card over cash or checks?
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The primary benefit of using a credit card is convenience. You can use it to purchase items without having to carry large sums of money with you, and you don't have to wait until the end of the month to pay for your purchases. Additionally, credit cards often come with rewards such as cash back or travel points that can be redeemed for discounts or free travel. 2 Another benefit is protection from fraud. If you make a purchase with a credit card, you are protected by the merchant's liability insurance policy if something goes wrong with your purchase. 3 Finally, credit cards offer access to more purchasing power than traditional payment methods. Credit cards typically allow consumers to borrow up to their credit limit, which means they can buy more items than they could otherwise afford.