Good news for people with poor credit records: Costco credit card!

Many people may encounter sudden financial difficulties in life, but traditional credit cards have high requirements in terms of credit records and income verification. Fortunately, in 2024, Costco credit cards will bring revolutionary welfare upgrades!

Advantages of Costco credit cards

1.Emergency needs

You may have saved the money in your savings card regularly or bought financial products that you are optimistic about, but life is unpredictable and things often happen outside of your plan. If you have a credit card, you can deal with emergencies, and there is a certain interest-free period, which can be used for a while.

2.Points cashback and preferential privileges

Credit card consumption is often accompanied by points accumulation or cashback mechanism. At present, credit card benefits and discounts are emerging in an endless stream. Credit card consumption points can also be exchanged for gifts, and even five-star hotels and air tickets can be handled. These real benefits are far beyond the reach of savings cards.

3.Transparent consumption and convenient financial management

Credit card bills record every consumption in detail, clearly understand your daily expenses, and help individuals to carry out financial planning and promote rational consumption.

4.Reduce financial pressure

Some hotels require a deposit when you check in, and it is necessary to collect it when you rent a car at a store. If you have a credit card, you can freeze the corresponding funds through pre-authorization, which not only guarantees the merchant but also relieves your own financial pressure.

5.No need to bring cash, more convenient travel

I believe everyone has experienced the convenience of not bringing cash. Sometimes it is not a matter of money, but it may be that others cannot make change and you don’t want so much change. It greatly facilitates our lives.

6.No need to exchange currency when traveling abroad

With Costco credit cards, you can directly swipe your card to consume abroad, while savings cards or cash must be converted into local currency first, which is very troublesome. With a credit card, you can use the pre-authorization function directly when staying in a hotel without paying a deposit, which is convenient and fast. For business people, credit cards are an indispensable payment tool.

Credit cards, as a financial tool product, can be used as emergency funds, and can also build the foundation of personal credit, promoting a win-win situation for consumption and points. While enjoying the convenience and benefits brought by credit cards, we should use them rationally and make credit cards a way to improve the quality of life rather than a source of financial burden.