If managed correctly, credit cards can be an effective financial tool for buying goods. This little plastic card provides convenience in any online and offline transactions and it is also beneficial in building an attractive credit history. However, credit cards also provide several free benefits that a number of consumers are not aware of. Depending on the issuing bank, a credit card can give unique rewards, balance transfers, cash backs and many others.

For many, a qualifying for a first credit card is a rite of passage, much like learning to drive or owning a first home.  It's important to remember that using a credit card can be more than just a way to delay payments and boost a credit history; using a credit card can provide cardholders with a host of benefits in cash, merchandise, travel and more:

In order to improve your credit score, you must use credit. Finding the perfect credit card is like finding the perfect mate, almost impossible. It's always a working relationship between you and your creditor. If you are a new credit user, finding a card without fees will be difficult.

Most college students created debts because of the high rising tuition fees in school. This is very common nowadays considering that not all degrees can be availed through a scholarship program. Thus, they are left with an option to borrow money from a specific financial institution and pay it after finishing college.

You may have read about the dangers of misusing credit cards, and it is true that many people have run into serious problems because of the careless use of credit. Used properly, though, credit cards can be a source of many benefits, and can provide certain protections and warranties not available when paying by cash, check or debit card.

You went through a rough patch, lost your job, had your house foreclosed on, and even had your car repossessed. However, in the last two years you moved cross country, picked up a new job that pays the bills, paid off a couple of delinquent accounts from when your old life fell apart, and feel like you are moving forward with life. There's just one problem, your credit score doesn't quite reflect where you're headed, only where you have been. If you have a credit score below 650 and think it's high time to rebuild your credit, there's a couple of credit cards that can help you.

Computer users are being warned to take precautions to protect themselves against infection from the Game Over Zeus virus. If left undetected, the virus can empty your bank accounts as well as steal personal information such as passwords and credit card numbers.

Money matters have long been taught to us by parents as early as when we were able to determine the right from the wrong. But even though we know many things about how to manage it, there are instances that we tend to forget even the most basic knowledge of handling it. Ironically, even our parents may be one of the many people that have been struggling in their own finances.

Reducing your credit card debt can save you a lot of money in interest paid over the life of the debt and it can improve your credit score. It's important to keep a close eye on the total debt held on our credit cards. Reducing your credit card debt comes down to two very simple things that must be done together in order to reduce the overall credit card debt.