Change in spending habits and perception of shoppers have encouraged the growth of credit cards in the market. Coupled with multiple benefits for shoppers, credit card is accepted universally by merchants across the country.

Credit card and debit card both have eased shopping experiences of today’s customers. However, credit cards offer numerous offers to its users when compared to debit card offers in regard to shopping.

Credit cards offer welcome bonus to its users. This welcome bonus varies from one card to another. A good credit score helps in availing the right card with a high welcome bonus. Presence of multiple offers, discount rates, cash backs takes your purchase experience to an all-new level. Collecting reward points for each purchase is engaging for customers that love to shop.

Debit cards limit monthly spending as you are bound to spend according to your monthly budget. Credit cards let you stretch your budget and make purchases beyond it. At the same time, it is important that you make the best use of it by paying the due amount within the grace period. Financial institutions provide a grace period of up to 45 days for payment of dues. Interest will be levied on the spent amount if paid after this grace period.

Hence, making sound financial decisions is crucial while using a Credit card . One can make their shopping experience easier by adhering to best credit card practices. These let you get maximum of shopping benefits by availing you with a welcome bonus, reward points for purchases, etc.