Pros and cons of credit used today ( asap)

Pros:Credit Building – Credit card companies relay account information to the major credit bureaus on a monthly basis. Rewards – Whether they’re in the form of cash back, airline miles, hotel points or gas rebates, many credit cards provide rewards that not only help subsidize the cost of purchases, but also provide certain unique amenities. By signing up for a rewards credit card, you are effectively joining a group for which membership has its perks

Cons: Overspending and Debt – When we make purchases with a credit card, there can be a tendency to spend more than we would have with cash.  High Interest Rates – Credit card APRs are high compared to most other interest rates you’ll come across. For example, the average APR on a new credit card offer is roughly 19%, according to WalletHub’s latest Credit Card Landscape Report.

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