I-Team: When to use your credit card - New York News

I-Team: When to use your credit card

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You might think putting your credit card away is your best bet, but that's not always the case.  There are times when it should be your go-to payment method, and FOX 5 I-Team reporter Dana Fowle tells you why.

One great time to use your credit card is when you're renting a car.  Often times, if you pay with a major credit card, you'll get secondary coverage in case there is damage. 

If you're buying something pricey like a cell phone or even a computer, that's a good time to swipe.  Sometimes, your card might issue an extended warranty on the product. 

Many major credit cards also offer roadside service, often without a monthly fee.  If you need the service, you call their toll-free number and then pay a single fee.

Measured credit card use can be good for your credit, so it may be good to charge a large purchase.  As long as you pay it off on time, it can help build your credit.

Using a credit card can also put you in a better position to dispute a charge.  For instance, if you order something online and it doesn't arrive but the retailer says they sent it, you've been charged for something you don't have.  You have a lot more power to dispute that charge by going through your credit card company, which will go to bat for you. 



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