When you look at your free credit card score after you been approved or declined for a credit card, it good to check your report to see if there are any errors and problems with your report. Read about the 5 reasons why credit cards are better than debit cards. While you look at your free credit card score, we will go over and discuss why you should use your credit card over your debit card.

Click here to get your free credit card score from ReallyFreeCreditScore.com

Here are the five reasons why having a credit card is much better than using your debit card.

1. Credit cards do not charge per transaction. Some debit cards charge you up to a $1 on each transaction that requires you to enter in your PIN. These small fees can add up rather quickly over time.

2. Credit cards to not hold your whole account whenever you reserve something. When you reserve a car rental or a hotel, some companies will put a hold on the amount of funds you are reserving for. That means your checking account will have that amount frozen until it’s paid off. This can be costly if you are needing to use those funds else where at the same time.

3. Credt cards offer better rewards. You can usually get cash back, points, or miles with credit cards and these add up quickly so that you can take the vacation you want or buy the rewards you want with points. Debit cards do not readily have these available to their customers.

Check your free credit card score before you apply for a credit card to see if you will be approved.
At ReallyFreeCreditScore.com, we will provide you a free credit score and credit report that’s really free. Yes, it’s really free.

4. Credit cards let you accrue a bit of interest while it’s in float. What this means is that you can pay off your credit card in full and you have a grace period to do so. With a debit card, that amount is taken from your bank account right away. In order for this reason to be true, you need to pay off your credit card in full each and every month.

5. Credit cards has better dispute centers. If you get your card, either or debit or credit card stolen, chances are that the thief will make unauthorized purchases with your card. With a debit card, your funds will be taken out immediately without much recourse. With a credit card, you have a chance to dispute it and generally credit card companies are better with dealing with dispute resolutions than debit card banks.

These 5 reasons should win you over to grabbing that credit card when making that purchase than a debit card. If you don’t have a credit card, you can apply for one right away, but I strongly urge you to check your free credit card score first.

Click this link to get a free credit card score from ReallyFreeCreditScore.com.