Do credit card advantages outweigh the extra expenses?

You don’t have to worry about change. One of the things that drives me crazy about paying with cash is all the change in my pocket. When I go to buy something I find myself digging around for change because I don’t want more, but then I feel like an old lady who is holding up everyone in the store.

I often just give a larger bill and fill my pockets with even more annoying change. • Book keeping is easier. With cash if you lose your receipt, the record of your purchase has gone MIA (unless you have an incredible memory – which I don’t).

My wife and I were trying to sort out some of our bills earlier today and I caught myself thinking that if we had just bought it with a credit card we would instantaneously know how much we spent. • Purchasing items for business. Where I work we use a reimbursement policy.

I buy it now and they pay me later. Having a credit card for those types of purchases avoids forwarding any cash. It gives time for a check to be cut before the payment is due.

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