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Benefits of having a credit card include the convenience of buying now but paying later, help with building credit, protection of purchases and during life events, the ability to earn rewards, and potentially saving money in the long run, according to Discover. The possession of a credit card also l


Credit unions offer many benefits over regular banks, such as lower interest rates on loans and higher interest rates on savings accounts, according to Bank Rate. They also tend to offer low- or no-fee checking accounts and lower minimum balances.


Capital One credit card users enjoy online and mobile account access, fraud coverage, travel insurance and warranty protection on purchases, states Capital One. Some cards include additional benefits, such as cash back and travel rewards.


Credit protection insurance, also known as payment protection insurance or PPI, offers financial assistance in the paying of debts in the event of job loss or inability to continue work, explains Investopedia. Such protection insures that a policy holder's credit rating does not suffer significant d


A "no credit check" apartment doesn't include a credit check as part of the application process. These types of apartments are useful to people with poor credit who struggle to get into apartments that use credit score as a determining factor in approving applications.


Some of the benefits of an online credit card account is that it affords flexibility, is convenient, allows the account holder to keep track of transactions and is time-saving. An online credit card account also allows the account holder to enjoy multiple merchant benefits when he or she makes onlin


A good credit score is generally considered to be 700 or higher, according to Experian. Having a good credit score is one of the most important determining factors when borrowing money for a car or home, or when looking to open a line of credit with a comparatively low interest rate.


Benefits of using federal credit unions include higher return rates on savings accounts, lower interest rates for loans and more of a personal touch with bankers since credit unions are smaller, according to U.S. News & World Report. A consumer may not realize he can join a federal credit union.


Some of the benefits of using America First Credit Union include improved interest rates and the fact that the U.S. government insures all savings deposits up to $250,000. In addition, America First customers have access to several ATM networks, including Access24, CO-OP Network and Visa PLUS.


The benefits of having a Premier Bankcard from First Premier Bank are the ability to be approved for a credit card with fair or poor credit, and being able to improve your credit score, according to First Premier Bank. There is an online application with instant approval or denial.