Cardholders can use their credit cards to shop and pay bills online in many places. The majority of retail stores now have online shopping options for their customers and many bills are now payable online.
Using the credit card finder on this page is a great way to choose a new credit card!
Once you have that credit card you can make paying bills much easier with online bill pay and never have to worry about dealing with crowded stores again. While shopping online is easy and convenient, it can also get a bit out of control. For great advice on how to keep online spending under control, check out SmartMoney and MyMoney.
How can using my credit card online help me with my bills?
No one likes paying bills, but even more than that, no one likes having to pay extra fees because a bill was late. Paper bills can get misplaced, the hassle of running out of stamps and envelopes, and the unpredictability of the mail system can all cause a payment to be made late.
With credit cards, a late payment can mean serious fees and a late utility bill can mean a day or two with no electricity. With online bill paying, you never have to worry about making a late payment again.
The majority of credit card providers offer their customers free online accounts with a bill pay service. These services allow the customer to enter what bills they have and how much they want to pay on that bill. The customer can even choose when they want the bill to be paid.
If you do not have an online credit card account, you can still pay your bills online by going directly to that company’s website. Another bonus to paying bills online is that paperwork will no longer come through the mail and cause clutter or waste.
Paying bills online could actually save you money. Most cell phone and credit card companies offer some type of paperless billing credit as a way to cut back on using paper. By choosing paperless billing, you not only make your life easier, but help the environment as well.
How can using my credit card online help me with shopping?
Most of us like to shop, but we do not always like going to the store. For some people the idea of driving to the store, finding a parking spot, dealing with crowds, and the chance that what they want to buy might be sold out is very annoying.
Shopping online solves this by letting you buy the things you need from the comfort of your own home. This option becomes a preferred alternative during the holiday season especially. Finding the perfect gifts for loved ones is stressful enough, but holiday crowds are a nightmare.
Online shopping lets you buy things from stores that you cannot easily drive to and can save you the hassle of wrapping gifts since the majority of sites offer some type of gift wrapping service during the holidays. In addition, if the recipient does not live close you can have the gift shipped directly to them through the store’s website.
Shopping online for holiday gifts has become so popular over the past few years that it has even began to compete with the most infamous shopping day of the year, Black Friday. Black Friday is the day after Thanksgiving and this is the day when the Christmas shopping season officially kicks off. Because of online shopping growing popularity, there is now a day known as Cyber Monday. This is the Monday after Thanksgiving when most store offer great sales online.
How can I use my credit card online safely?
There can be risks to using your credit card online. If someone gets your credit card information, they can use it to commit credit card fraud. There are some simple ways to protect yourself from this risk.
The first thing you should do is make sure you are shopping on a secure website. If you are unfamiliar with a website, you should check the bottom of the screen to make sure they have some type of security verification. VeriSign is probably the most well known and well respected of these.
Another great tip to using your credit card online is to not do it in public. If you have a laptop, do not shop online in a public place like a coffee shop. Someone sitting around you could steal your information. Additionally, do not use a public computer like those are the library. If you do not sign out properly, the next person to use that computer could easily track your activity.
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