A credit card is money in your hands that you can use to buy things and services. It obliterates the need to carry money in your wallet. However, you must learn to use a credit card responsibly to avoid running huge balance.

The issue of credit card safety has become very popular these days with rising incidences of thefts and frauds. You can remain safe when buying online if you follow certain safety tips.

If you are applying for a credit card, do not fall for the card that is easily available to you. Do your homework to find out the credit card that suits your lifestyle and charges low interest rates.