# data[].attributes.headline
Word file with reflective questions answered

# data[].attributes.subject
Word file with reflective questions answered

# data[].attributes.body
This image shows a number of ways in which families and individuals can prevent identity theft on their credit cards. Spam emails are very tricky and one must be careful with such emails.

# data[].attributes.headline
Video #3- Advantages and disadvantages of credit cards.

# data[].attributes.subject
Video #3- Advantages and disadvantages of credit cards.

# data[].attributes.body
This video talks about the advantages, disadvantages of credit cards and some useful tips in keeping your balance low. It also mentions how paying credit cards on time increases your credit score, protects from theft and better budget your spending habits.

# data[].attributes.attachment_link.title
video of the advantages of credit cards - Bing video

# data[].attributes.attachment_link.description
Advantages of Credit Card | DisAdvantages of Credit Card | Technical Guptaji

# data[].attributes.body
Credit cards and its advantages and Disadvantages to Families.

# data[].attributes.headline
Welcome to credit cards and its advantages and disadvantages to families.

# data[].attributes.subject
Welcome to credit cards and its advantages and disadvantages to families.

# data[].attributes.body
On this padlet you would find information on what a credit card is, the advantages, disadvantages of credit cards to families as well as some tips to having good credit and preventing identity theft.

# data[].attributes.body
Credit card advantages to families.

This website is owed by the Bank of Montreal and it highlights different rewards plans that families can use to build up their travel reward. This credit card gives family the opportunity to build up points rewards as they spend money while using the credit cards. The website listed a welcome offer, interest rate and other complimentary passes that customers can benefit from. This credit card can enable families have the vacation they have dreamed of.

# data[].attributes.attachment_link.title
Rewards Mastercard | Credit Cards | BMO Bank of Montreal

# data[].attributes.attachment_link.description
Earn points that can be used for travel, merchandise, events or towards a BMO investment account with a rewards or travel credit card. Apply for one today!

# data[].attributes.headline
Website #2 Credit cards- (Advantages to families)

# data[].attributes.subject
Website #2 Credit cards- (Advantages to families)

# data[].attributes.body
According to this Visa website it is possible to access over 2.5million ATMs worldwide.  Visa credit cards are accepted in over 200 countries and it is a safe and reliable method to pay for goods and services. Families can use visa credit cards at their convenience which is one of the great advantages of the use of credit card. The key point here means families can rely on Visa credit cards when travelling on vacation to most countries.

# data[].attributes.attachment_link.description
Apply for a Visa credit card - it's a secure and reliable way to pay for what you need, anywhere in the world. Access cash at over 1 million ATMs.

# data[].attributes.body
(Disadvantage of credit cards to families).

This website listed some advantages and disadvantages of using credit cards which also applies to families. The disadvantages listed are high interest rates, credit card debt, scams and overspending. Overspending is one of the disadvantage listed and most times some families are carried away with spending (especially during festive seasons). And some families may not be able to keep track of their spending which may result in high interest rates.

# data[].attributes.attachment_link.readable_text
The first credit card company was established by Western Union in the 1920s. Since then credit cards have gone from easily counterfeited paper cards to highly sophisticated cards with embedded computer chips that track your every purchase and automatically reports the charge to the users account. Unlike their predecessors which were limited to the store which issued the card, modern credit cards can be used to make purchases at most retailers, for online shopping, and to make cash withdrawals from ATMs. Using a credit card can provide many benefits for the user as long as they are wary not to fall into any of the pitfalls.

How to Get the Most From Your Credit Card

Regardless of your history with credit cards, there are ways to get the most from your cards in order to stay on top of your balance, without going overboard. Here a just a few tips that can help you to do so:

First, apply for a credit card that offers you maximum benefits and suits your needs. Interest rate, balance transfer charges, annual fee and reward points are the main factors of consideration before applying for a credit card. There are many online credit card comparison services that help you find the best offer. creditcardoffers.com.au allows you to do the same and their service is 100% free.

Use your card as a means to keep track of expenses. The best way to do this is to keep all of your receipts, and then check them against your monthly credit card statement. Should you notice any errors, you should immediately notify the credit card company. Usually, credit card companies are fairly helpful when it comes to removing bogus charges, along with any of the corresponding charges or fees.

You should also apply to be notified if your credit card notices any suspicious activity on your account. Many card companies even offer additional identity theft protection, which can be priceless should your identity be stolen.

Some card companies also offer damage protection if you should purchase products that are defective. This, too, can be worth it - especially if you purchase big ticket items such as electronics or appliances.

Advantages of Using a Credit Card

Credit History: For many first time credit card users the biggest perks of using a credit card is that it allows them to build a credit line. A good credit history is vital to purchase a home or a new car, and making credit card payments on time is a quick way to build a good credit history.

Ease of Purchase: A credit card makes it easy to buy anything at any time, without having to carry large amounts of cash.

Emergencies: In an emergency, such as an auto breakdown, where large amounts of money are needed on short notice a credit card can be used to make unexpected purchases, such as paying for a mechanic, or for a hotel room.

Disadvantages of Using Credit Cards

High Interest Rates: Credit card companies make their money by charging high interest on all of the money you spend on your card. These interest rates will be far above those you would receive from a bank on savings, or have to pay on a bank loan, sometimes as high as 25%. This high interest rate can make it very easily to accumulate debt.

Credit Card Debt: The ease of purchasing with a credit card combined with the high interest rates make it very easy to inadvertently build up debt. And the longer this debt is on the credit card the more interest will be charged on it, creating even more debt.

Overspending: Combined with the risk of debt from high interest rates is the risk of blowing your budget. Most people have trouble keeping track of their spending when the money being spent is not physically in their possession. Credit cards make it easy to trivialize the amount being spent.

Scams: Credit cards can be stolen, either physically or just the numbers taken through a variety of means like identity theft and phishing scams. If a thief gets a credit card number they will be able to rack up debts on the users account.

Using Credit Card at ATM

One advantage of a credit card that is wrought with hidden disadvantages is using a credit card at an ATM. On the surface this may seem like a great idea, because it allows you to get cash for those few businesses which do not take credit cards. However, in addition to the charges from the ATM for withdrawing cash, with many credit cards you will have to pay an increased interest rate on any cash advances.

Avoiding Credit Card Debt

As long as the user is careful, it is easy to avoid credit card debt. Always be sure to keep track of your purchases, and be careful of your budget. Check your account frequently for unexpected charges, and never give your credit card number to anyone. Also, to avoid interest, pay off your balance at the end of every month.

And now, to those readers (mostly students), who have been asking to publish an essay on advantages and disadvantages of credit cards, it is live Here.

# data[].attributes.attachment_link.title
Using Credit Cards - Advantages and Disadvantages - savemoneytips.com

# data[].attributes.attachment_link.description
The first credit card company was established by Western Union in the 1920s. Since then credit cards have gone from easily counterfeited paper cards to highly sophisticated cards with embedded computer chips that track your every purchase and automatically reports the charge to the users account.

# data[].attributes.headline
Image #2 Benefits of Credit cards to families.

# data[].attributes.subject
Image #2 Benefits of Credit cards to families.

# data[].attributes.body
The image below shows the advantages families can benefit from when using their credit cards.

# data[].attributes.headline
Image #1 RBC Royal Bank cash back credit cards

# data[].attributes.subject
Image #1 RBC Royal Bank cash back credit cards

# data[].attributes.body
This image of an RBC cash back has some offers to individual and families on how they can earn a cash back while using their credit card. It has some options that can benefit families also.

# data[].attributes.headline
Video # 2- Why we don't use credit cards by Dana

# data[].attributes.subject
Video # 2- Why we don't use credit cards by Dana

# data[].attributes.body
Dana has a family and, in this video, she talked about why herself and her husband don’t have credit cards. She talked about what happened to her after she used almost 8 credit cards and incurred almost $40,000 debt.  She believes trying to grow a credit score may be a dangerous way of getting into debts and she froze her credit score and they have decided to leave their credit score at $0. This is because Dana said "If we don’t have the money then we are not buying it” (6:17) . She will rather pay cash for items than borrow. In this video Dana makes a comparison of credit cards to smoking and that some people may get away with it while others gets trapped in it.

# data[].attributes.headline
Video #1- What if I miss a credit card payment.

# data[].attributes.subject
Video #1- What if I miss a credit card payment.

# data[].attributes.body
This video highlights the hidden cost of a credit card, such as interest rate and late payment that are recorded on your file. It also gave some points on how to turn around the situation. The key points to note are that families having troubles with paying back their credit cards should contact their credit card provider immediately and make the payments as soon as possible.

# data[].attributes.attachment_link.title
Advantages and Disadvantages of Credit Cards by MoneySupermarket

# data[].attributes.attachment_link.description
Do you want to know what the advantages and disadvantages of credit cards are? Read this guide by MoneySupermarket.com to find out.

# data[].attributes.body
These are the use of bank credit cards or department store cards to make purchases and pay back later. Families can use these credit cards which have great advantages and disadvantages.