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Credit cards are one of those wonderful things we can enjoy in these modern times, something that extends our purchasing power so we can take advantage of more things, or deal with emergencies.

Why use a credit card? For one thing, it is a very convenient way of paying for services and products without having to carry around cash or issue checks. It's especially handy in online transactions which is gaining popularity for every possible endeavor (be it sports, shopping or business).

Some credit cards also offer purchase protection for free, perks when you use it often, rewards when you pay your bills on time, upgrades with affiliate companies, etc.

Of course, it's best to have mastered some degree of financial responsibility and accountability before you apply for a credit card. And it is infinitely wise to get those interest free credit cards.