Before You Start
Rather than paying with funds from your bank account, purchases made with a credit card are with money you don't already have. So, when you buy something with a credit card, it tells the financial world that someone was willing to lend money to you, trusting that you will pay it back.
Why use a credit card if you have the cash?
Regularly paying your entire bill on time helps increase your credit score, making it easier to be approved for other big-ticket purchases, like a home or car, that are often bought on credit. Using a credit card may allow you to earn rewards, such as cashback, an added bonus that usually doesn't come with a debit card.
