For me, credit card is heaven-sent for the following reasons:
I am able to pay bills on time since I enrolled them to my credit card’s auto payment facility. This way, I only think of one due date—my credit card’s.
My husband’s sister, who recently gave birth, is in United States. My sister and her family will soon migrate to a European country. I needn’t emphasize how coveted those air miles are.
Other than air miles, I can opt to redeem the credit card’s points for a cash back. I haven’t done this yet, but I’m glad to know that when the time comes that we need it, there is an option like this.
I’m not keen on recording all our expenses, but I know its importance that’s why I’m grateful to my credit card company for doing the job for me.
Disclaimer though: credit card isn’t for everybody. If you don’t know how to use one as an asset, believe me when I say that you’re better off without one.