Credit Cards Can Be Good Thing

Credit Cards Can Be A Good Thing

When I got divorced a few years ago, I canceled most of my charge cards since my ex-husband’s name was associated with them. At first, I didn’t apply for new cards thinking I didn’t need them. But I realized I was missing out on a lot of savings!

The first card I reapplied for was Menard’s Big Card. I like to do their Free-After-Rebate (FAR) Offers. The rebates come in the form of Store Credit, and I just use those postcards towards my next FAR shopping trip. If I owe more money than I have store credit for, I put the remaining balance on my Big Card. The reason being (1) I get a 1% rebate back at the end of the year and (2) the monthly statements always includes coupons for free items with purchase. I always pay off the balance every month (usually only a few dollars anyway) to avoid finance charges.

The latest card I just reapplied for was JCPenney’s Credit Card. I realized that I was no longer receiving those highly coveted $10 off any order coupons in the mail, and wondered if it was because I was no longer a card holder. My first benefit I just received was a postcard to pick up their Christmas Gift Book (regularly $4) for free. My three girls have already ear-marked thousands of dollars in items that they want for Christmas! Isn’t that why they call it a wish book?

Now I just got notice that my Chase Visa card is no longer offering rewards, so I am shopping for a new card with benefits. There are so many choices! I’ll let you know when I find the perfect one.

About the Author

Kim has been helping people save time and money online since 1998. Follow Kim's Personal Accounts on Google and Twitter. And see all of Kim's sites at

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