Apart from the convenience, there are advantages to using credit cards.

People who pay in full and on time may consider that they do get free short-term credit.

Users of some cards may benefit from discounts from some providers of goods and services and frequent-flyer miles may be earned for international travel in some cases.

Cardholders may also use them to rent and lease goods and services from people and businesses who honour them and to do online shopping. This makes it quite easy to purchase goods and services from other countries. Additionally, they may be used to get cash advances (loans) from financial institutions that accept them.

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