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Things To Always Buy With A Credit Card

March 22, 2012 by staff 

Things To Always Buy With A Credit Card, Generally speaking, it’s never a good idea to charge something that you’re unable to pay off in full since you’ll have to pay interest on the purchases. But there are some items that are definitely worth charging when you intend to make them without having to utilize the line of credit.

In addition to straight rewards, “there are some nice perks associated with using a credit card,” says Curtis Arnold, founder of CardRatings.com. “But all these perks never get utilized because people don’t know about them.”
To help you maximize these perks and protections, MainStreet breaks down the scenarios when putting your purchase on plastic can prove worthwhile.

Electronics/Appliances

Many credit cards entitle cardholders to an extended warranty and price protection on items, such as electronics and appliances, that carry a warranty already.

Visa and MasterCard both offer complimentary extended warranty and purchase protection with many of their cards, and American Express provides coverage for all cardholders. Discover cards offer warranty protection as well, though only for a fee that varies based on the product and the card.

However, generally speaking, “most networks double the time of your warranty,” Arnold says. This can obviously save you money on repairs, should the item break after the original warranty expired, or the price of extending the warranty at the point of sale.

Some cards also additionally feature price protection, which means “if you see the product advertised at a lower price within a certain window of time, the issuer will refund the difference,” says Ben Woolsey, director of marketing and consumer research with CreditCards.com.

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