Credit cards offer better protections, less liability in case of fraud, and more leverage with merchants
, since I spend the points on travel. In some states, that’s roughly the same percentage as the sales tax!If you have a problem with a credit card purchase and the merchant refuses to work with you, you can charge back the purchase with the credit card issuer. Simply theof doing this will give you substantial leverage with the merchant, because they risk losing their merchant account if it happens too often, and they will be charged large fees by their merchant processor if you follow through.
Most of the time, if you have a legitimate dispute, the bank will side with you over the merchant, and your purchase will be refunded .On most cards, if you’re starting with a zero balance, you’ll get up to a month before you need to pay a credit card balance off without incurring interest. That’s an extra month that your money is available to earn interest in a high-yield savings account or otherwise work for you.
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