Credit and the Customer!
By Jose Romero
Here you are at the local Electronics store wanting to buy that 42 inch plasma screen TV. The salesperson is salivating for sale because with this it will put him over the top of the sales list. You go and reach for your wallet open it slowly and pulled out a small slim card. The sales person grabs it and walks very fast to the stand alone terminal near them and begins to type. Mind you the cost of the TV is over $3,500.00 dollars he does not even have that in his bank account! The sales person quickly swipes the card the terminal makes some whizzing noises and within a matter of seconds the purchase is done. The card is given back to the owner they shake hands and the owner walks away with his purchase.
This event is constantly taking place all over the US as every second ticks by someone somewhere is buying something using their credit card. The credit card has been around since the 1960’s at that time the credit card was considered a charge card and was only at the time given to traveling sales people who are constantly on the road. But as time progressed more companies began to offer credit card services to more people not just sales people. Making credit cards more available to the masses has made the fledgling credit card companies into global corporations.
People enjoy using credit because they don’t have to carry large amounts of cash around. If they need to buy something all they have to do is to swipe their card and that’s about it. Unlike cash the credit card does not take up a lot of space in your wallet or purse. It is so easy to use and get that most people in the US have more than one card that they own.
Interest rates are very competitive from one company to the next, which is why they offer low interest rates and some other freebies like frequent flyer miles etc. So it is best to shop around and find the right company that can give you what you are looking for.
Once you have a credit card in your possession you can practically buy anything you can depending on the credit limit of the card. You will receive a bill by the end of the month of all the charges you have made. A lot of credit card companies frown upon late payments so it is in your best interest to pay on time every time! Late charge fees will be added to your over due account if you keep paying late. Which is why when you have credit you must be very responsible while using it. Never ever go off on a tangent and buy stuff you don’t even need. I like to have credit cards for emergency purposes only. My motto is “If you can’t afford it then you don’t need it!”
All in all to have credit is a must in this world. It will open many opportunities for you and others. Credit makes it easy for anyone to buy easily and safely within seconds. It also comes in handy when you don’t have any money in your pocket. So please try to keep your credit rating in good standing and you will be fine!
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