Credit cards often receive negative attention due to high APRs and potential for debt, but they offer valuable benefits that many overlook, such as consumer protections and travel insurance. Personal finance experts suggest caution with credit cards, but relying solely on debit may lead to missing out on significant advantages. While promotional offers entice many to sign up, it's important for consumers to assess long-term value and benefits, such as cash back and how the card can fit into overall financial wellness.
Credit cards offer benefits beyond standard perks like cash back or points, such as valuable consumer protections and travel insurance that many cardholders overlook.
Choosing a credit card requires looking beyond promotional offers to truly assess what will benefit you in the long term; the right choice could save or earn you significantly.
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