Many of us hesitate to use credit cards when we can pay for the service using cash or a debit card. However, there are certain services that you may want to use a credit card instead of paying with a debit card.

• If you are able to pay for your monthly purchases, you may consider using a credit card for those purchases and paying the card balance each month. You are not only avoid accruing and paying interest but also get other benefits such as airline miles, gifts and other benefits for using your credit card.
• Many credit cards offer rental car insurance as a benefit if you use your credit card to rent a vehicle.
• When you pay for your online purchases with a credit card you get a benefit that a debit card can’t provide. If you are not happy with the product, you can return the product and ask your credit card company for a chargeback.
• Consider using your credit card to pay for a hotel stay instead of paying with a debit card. Not only the hotel still will require a credit card, they will take money from your account right away if you use your debit card. You get a grace period to pay for your hotel stay with a credit card.