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   A credit card can be useful, but may also end up putting you in a difficult financial situation. Before applying for one, you should decide why you want one, and make sure you can use it wisely. Here are the most important benefits of a credit card:

 
- Withdraw cash 24 hours a day, anywhere in the world.
- Buy online. It is the quickest and easiest way, and you are protected against credit card fraud.
- Repay in regular installments. Typically, these incur interest.
- Usually, there is an interest-free repayment period, which you can use to repay your debt in full, interest-free.



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