The good, the bad and the ugly of credit cards
Credit cards offer many advantages , but in turn generate responsibilities , so it is important to know your risks to whether to order one or not .

The best way to choose a credit card is by considering the needs and lifestyle of the person who will get the card. There are several issues that must be examined very well when making the decision to get a card and deciding which card to get.

The Good:
· The credit card cab be used to access a higher than available balance in your account , which provides great flexibility.

· As is becoming the method most commonly used online payment , thanks to which usually includes insurance that protects against fraudulent use , and accepted almost everywhere , but it also brings in some commercial sites , discounts and benefits their cardholders.

· You shall develop a credit history, which is the behaviour of loan payments in recent years . This will be an effective way to show that you can repay a loan ; but if you ‘re late with payments they can deny any credit too .

· The cash can be lost, literally , and can even be spent more quickly. A credit card is more difficult to be stolen , it can not be used without identification of the owner and can be turned off immediately before any fraudulent activities potentially occur.

The bad:
· The client must have some economic stability to apply for a credit card .

· To obtain a credit card , the bank must verify the applicant’s income and your banking history .

· The additional money that is available to the holder , can be classified as a loan by the issuer of the credit card company , and as such, must repay it with interest.

· The cost of the monthly credit card is justified by the insurance coverage you have by owning the card, as almost always, this includes different types of security that depend on the issuer and the contract signed with the client.

The Ugly:
· The risk taken is not too control the expenditure incurred with the card and not being able to repay them in a timely fashion , which can lead to debt and higher interest payments and even foreclosures and lawsuits.

· The credit card usually incurs higher interest rates, more than a debit card , as well as an annual cost of ownership.

It is necessary to understand that self-control is important to handle the plastic and to remember the advantages and disadvantages that  this financial tool brings.