{"id":858,"date":"2022-06-13T04:15:54","date_gmt":"2022-06-13T11:15:54","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=858"},"modified":"2023-11-10T10:17:33","modified_gmt":"2023-11-10T18:17:33","slug":"top-10-reasons-why-i-love-and-hate-my-credit-card-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id858-top-10-reasons-why-i-love-and-hate-my-credit-card-2.html","title":{"rendered":"10 Big Reasons Why I Love (and Hate) Credit Cards"},"content":{"rendered":"

\"\"The other day I overheard a couple of nice ladies<\/a> going on and on about why they loved, loved<\/strong>, LOVED<\/strong><\/em> their credit cards.<\/p>\n

And let me tell you, they really<\/em><\/strong> loved them.<\/p>\n

At first, I didn’t understand what all the fuss was about. Like most people, I have a few credit cards in my wallet – but I typically don’t go around extolling the virtues of them to my friends.<\/p>\n

You know, the more I think about it, the fact is there are a lot<\/em><\/strong> of things I like about credit cards too. Then again, there’s stuff I dislike<\/strong><\/em> about credit cards. And why not? After all, credit cards have their advantages<\/a> and<\/em><\/strong> disadvantages.<\/p>\n

So to prove it, I compiled the top 10 reasons why I both love – and hate<\/strong><\/em> – my credit cards. How does it compare with yours?<\/p>\n

10 Big Reasons Why I Love<\/em> My Credit Cards<\/strong><\/span><\/p>\n

10.<\/strong><\/span><\/span> With a little practice, a credit card provides a fail-safe back-up for opening the office door on mornings when I forget my key.<\/p>\n

9.<\/strong><\/span><\/span> The small print on the back side of my credit cards makes for an awesome Scrabble cheat sheet. (Okay, this one is a stretch – especially now that I find myself needing “cheaters” to read.)<\/p>\n

8. <\/strong><\/span><\/span>I can get my interest charges waived<\/a> on the rare occasions that I forget to make my credit card payments on time.<\/p>\n

7.<\/strong><\/span><\/span> If I lose a credit card, I can usually call and get a replacement within 24 hours. (Don’t try calling the US Treasury for a replacement if you lose a $100 bill.)<\/p>\n

6.<\/strong><\/span><\/span> Because I use credit cards for almost everything I buy, my credit card companies act as a very effective de facto expense-tracking<\/a> service for me.<\/p>\n

5.<\/strong><\/span><\/span> The consumer protections offered by credit cards are like having a big brother at my side every time I make a purchase.<\/p>\n

4.<\/strong><\/span><\/span> As a victim of two armed robberies<\/a>, I appreciate that my credit cards allow me to shop for big-ticket items without having to carry big wads of cash.<\/p>\n

3.<\/strong><\/span><\/span> When it comes to online purchases, credit cards and the Internet are a match made in heaven.<\/p>\n

2.<\/strong><\/span><\/span> When used responsibly, credit cards help build my credit score — and that ensures my continued eligibility for the best long-term loan deals.<\/p>\n

1.<\/strong><\/span><\/span> Many credit cards offer rewards just for using the card; I estimate that I’ve earned well over $10,000 in cash and other perks over the last 15 years — and that’s the easiest money I’ve ever made!<\/p>\n

10 Big Reasons Why I Absolutely Hate<\/em> My Credit Cards<\/span>
\n<\/strong><\/span><\/p>\n

10.<\/strong><\/span><\/span> After two decades of loyalty, none of my credit card issuers have ever made me their “Customer of the Month.”<\/p>\n

9.<\/strong><\/span><\/span> Even though credit cards can be quickly replaced when lost or stolen, it’s still a pain when you have to update your new credit card number at multiple websites.<\/p>\n

8.<\/span><\/strong><\/span><\/span> They’re ugly. (Yes, this is another stretch. No, I don’t have one of those cards with my face on the front of it.)<\/p>\n

7.<\/strong><\/span><\/span> Credit card numbers are too long and, therefore, hard to remember.<\/p>\n

6.<\/strong><\/span><\/span> I occasionally call my credit card customer service departments to request a shorter number — like, say, “6” — but they always refuse.<\/p>\n

5.<\/strong><\/span><\/span> The annual cash dividend payouts are typically limited to $300.<\/p>\n

4.<\/strong><\/span><\/span> Their terms and conditions change more frequently than Denny’s changes their soup du jour<\/em> …<\/p>\n

3.<\/strong><\/span><\/span> … and it often helps to have a lawyer on hand to decipher those terms and conditions.<\/p>\n

2.<\/strong><\/span><\/span> Despite my high credit rating and proven track record of always paying off my creditors, I’m still subjected to absurdly high interest rates approaching 30%.<\/p>\n

1.<\/strong><\/span><\/span> My credit card companies never fail to send me the monthly bill.<\/p>\n

Now, if you’ll excuse me, I’ve got some shopping to do. Yes, I’ll be using a credit card; but, as always, I’ll also be paying off the full balance<\/a> at the end of the month to avoid paying those onerous interest charges.<\/p>\n

Of course, you know what that means: There goes yet another chance of me winning their “Customer of the Month” award.<\/p>\n

Photo Credit: stock photo<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The other day I overheard a couple of nice ladies going on and on about why they loved, loved, LOVED their credit cards. And let me tell you, they really loved them. At first, I didn’t understand what all the fuss was about. Like most people, I have a few credit cards in my wallet […]<\/p>\n","protected":false},"author":1,"featured_media":71292,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[458],"tags":[],"class_list":{"0":"post-858","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-credit-debt","8":"pmpro-has-access","9":"entry"},"yoast_head":"\n10 Big Reasons Why I Love (and Hate) Credit Cards<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id858-top-10-reasons-why-i-love-and-hate-my-credit-card-2.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Big Reasons Why I Love (and Hate) Credit Cards\" \/>\n<meta property=\"og:description\" content=\"The other day I overheard a couple of nice ladies going on and on about why they loved, loved, LOVED their credit cards. 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