The USB Credit Card: an original USB memory stick for the safe and handy storage and transport of your files. Ready for immediate use thanks to the practical 'Plug & Play' system. It's compatible with Windows, Mac and Linux. This lightweight USB stick is the same size as a credit card, meaning it's perfect for when you're on the move. The USB Credit Card will fit perfectly inside your wallet, purse or business card holder, so it's always by your side. The slim design and original print mean this USB stick is barely distinguishable from a real credit card. Ideal for your own use or as a unique gift! This great value USB stick is available in a range of styles and storage capacities. Take your pick from Bronze(2GB), Silver(4GB), Gold(8GB) or Diamond(16GB). Convinced? Get your self one on: www.usb-creditcard.com Digg it digg.com Follow us: twitter.com
Reward Points
Most credit cards come with some kind of rewards program and the points you earn can add up to significant savings. For example, you only need 6,900 Virgin Blue Velocity points for a one-way economy airfare from Melbourne to Sydney. If you used your credit card for $ 500 a week and earned one point per dollar spent, you'd accumulate enough points in less than four months (even faster if you used your card at the bonus partner outlets).
Security
If you lose cash, it's gone. If you lose your credit card, there are additional layers of security to protect your money. Anyone who finds your card either needs to impersonate your signature or know your PIN number. Plus, as long as you notify your bank, you're not liable for any purchases made on your card after it was lost.
Budget Auditing
If you use cash, it can be difficult to keep track of your purchases and see how you've spent your money.
Your credit card's monthly statements can help you review your spending habits and develop better budgets.Proof of Purchase
Losing a receipt isn't a problem if you've paid with your credit card. You can prove any purchases simply by providing a copy of your statement. This can be especially useful for warranty claims or tax audits, where the proof may be required years after you've thrown out the receipt.
Refund Protection
As we reported in our article on Kleenmaid, if you use your credit card for a purchase and the goods are never received you are entitled to a credit charge-back from your bank. The scenario falls into the category of a 'disputed transaction' (the same procedure applies for fraudulent or duplicate transactions).
Acceptance
If your card is a Visa, MasterCard or American Express, you can travel overseas and be confident it will be accepted in foreign hotels, ATMs and restaurants.
Plus, you won't need to worry about currency conversions or carrying large amounts of cash while you're travelling.Credit cards are also useful for occasions where cash is not accepted, like online hotel and flight bookings.
Emergencies
You might be stuck in the middle-of-nowhere with a cracked radiator, or your hot water service may decide to throw in the towel the week before Christmas. When faced with unexpected expenses, it can be reassuring to know you'll be able to pay for them.
Cash Flow
If you run a business, you'll understand the importance of cash flow. Using a credit card for your expenses means your cash is free during the month and you can settle the balance in your normal end of month accounts payable cycle.
Buy Now, Pay Later
If you see a bargain and don't have the cash, a credit card can be a much better option than a pay-day or personal loan. It gives you the flexibility to make purchases and pay them off slowly over time.
Extras
Some credit cards also offer inclusions such as travel insurance, purchase security or extended warranty protection.
Related Why Credit Cards Are Better Than Cash Topics
