It doesn’t take kids long to recognize the power of plastic. My oldest daughter is barely six, but if my wife or I try to use the “I have no money…” line to get out of buying another toy or treat, she’s likely to say, “Well, use your credit card.” The point being, she gets how to use them, she just doesn’t really understand how they work. Should you give your kids a credit card? And, if so, when?
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You do all your research on the best brands and models, you comparison shop and find the best deals, you get to the store and find exactly what you’re looking for at exactly the price you expected and then, the seemingly friendly salesperson hits you with the big question: Would you like to purchase warranty protection?
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It’s a classic hectic January shopping moment: you’re at the checkout, about to drop a pile on some last-minute deals, and the cashier asks if you’d like to sign up for the store’s credit card.The application process won’t take but a minute and you can get an even better deal on your purchase. Why not? Because there are some serious problems with store credit cards. They offer a sneaky way to reduce your credit rating, get yourself into debt and entice you to shop more.
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If you don’t have a home or other large asset to back a secure line of credit, and your credit rating has too many red flags (from all those bills you’ve been late in paying), you might not qualify for a line of credit. If that’s the situation you’re in, then forget about cash back or air miles programs. You should focus on getting yourself a credit card that will charge you the lowest amount of interest if and when you do need to carry a balance. Here are some of the best low rate credit cards in the market.
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TORONTO, November 24, 2011… RateSupermarket.ca, Canada’ s go-to-website to compare and save money on credit cards, mortgage rates, and savings accounts, is challenging consumers to rethink their credit card strategy this holiday season. Credit cards aren’t just for spending money, but for saving money as well.
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