Credit cards mean different things to different people. To some, it is an easy way to spend. Just swipe the card and you can buy anything, anytime, anywhere.
To others, it is convenience. You no longer have to carry cash. But the 28 sq cm of plastic in your wallet is also the key to a treasure trove. If you are a smart user, you can use it to unlock the myriad benefits that come with a credit card.
Of course, you need to watch out for the pitfalls that include high interest rates on rollovers, hidden fees and the dangers of falling into a debt trap. But if you are a disciplined borrower, a credit card can actually be a source of free money.
Here is how you can gain from plastic power.
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