Credit Cards

Good Security

While it's easy to steal credit card numbers, it's mostly the bank's money at stake not yours. So if fraud does occur, you have limited liability for the fraudulent charges that might occur.


Using a credit card helps to build credit history, and with rewards cards, you can earn money back. Another benefit is extended manufacturer warranties on products bought with the card.


Credit cards are very easy to carry around and can be used almost anywhere. You can put all of your holiday spending on a separate credit card with a low limit, and commit to paying it in full, or at least, repaying that debt in the first quarter of 2015.