Christmas time is a stressful time of the year for many people because it involves spending a lot of money. However, credit cards can be helpful tools when it comes to this annual spend-fest. They can change you from a nervous wreck to a calm person who can’t wait to see the smiles on your family members’ faces. Credit cards can allow you the time you need to recover from the holidays before you start repaying. The following are three additional ways that you can use credit cards to make your Christmas purchases much less painful:
Get a 0% Credit Card
You can apply for a brand new 0 percent credit card. A 0 percent card is one that has no interest for a certain amount of time. You can grab a card with that special offer if you apply for it online. You will not have to start paying back the money that you spend on the card for about 30 days.
You will not have to pay any interest on the Christmas items you buy for up to 24 months. Each card provider has its special time frame for the promotional offers. Read all the details so that you can be sure you get the best deal possible before the holidays.
Apply for a Cash Back Card
Another way that you can save yourself money and make your experience less painful is by applying for a cash back card. Cash back cards pay you back a certain percentage of the money you spend on Christmas items and other goods. You can get up to 6 percent cash back depending on what you buy. That can save you a tremendous amount of money on your goods.
Buy Presents from the Point Redemption Store
Finally, you can take advantage of your points if you have a points rewards card. Now is a great time to redeem your points if you have a points card already. You can go to the card company’s shop and buy merchandise with the points that you earned.
Points redemption stores usually have a good mix of electronics, clothing, office supplies and other items. You can use up all of your points on your loved ones this season. You won’t have to spend a dime if you have enough points accumulated.
Get ready to do some shopping, and choose a credit card that is right for you. Take advantage of these suggested methods of saving yourself money on holiday shopping. Many more methods are available, and you will probably discover them as you put these plans into effect.
Use vouchers and promotional codes to reduce the headaches and increase the savings that you obtain this season. Retailers traditionally will have prices that are inflated before the 25th of December to try and take as big an advantage as possible over people’s increased spending. It is doubly important to be able to take advantage of money saving offers before Christmas Day, like Black Friday, and hit those post-Christmas sales for some extra bargains.