![Woman using contactless payment - stock photo](https://www.bankrate.com/2023/11/14155437/NEW_-Why-use-a-credit-card_.png?auto=webp&fit=crop&width=230&height=150)
Why use a credit card?
Credit cards aren’t a scam or a trap – when used correctly, they have lots of perks.
"I write expert content with the goal of helping consumers make the most of their credit, their money and their lives."
— Holly D. Johnson
Holly Johnson began her career working in the funeral industry, which may make you wonder why she works in personal finance now. Yet, the funeral industry taught the author everything she needs to know about the value of one's money and time. Johnson left the mortuary business a decade ago in order to explore her passion for personal finance and travel the world, and since then, she and her husband have built a debt-free lifestyle that has them on the path to retire very wealthy in their 40s. Holly's love of budgeting also led to the creation of her debt payoff book, “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love."
Currently, Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.
"I write expert content with the goal of helping consumers make the most of their credit, their money and their lives."
— Holly D. Johnson
Credit cards aren’t a scam or a trap – when used correctly, they have lots of perks.
There are plenty of ways to shop small in North Carolina
There are plenty of ways to shop small in North Carolina
Where to go to support local RVA businesses this Small Business Saturday
Where to go to support local RVA businesses this Small Business Saturday
Earn rewards while giving back to small businesses on Saturday, Nov. 25, 2023.
Earn rewards while giving back to small businesses on Saturday, Nov. 25, 2023.
The Bank of America Premium Rewards Card is worth considering if you want generous rewards and perks. Find out which benefits you’ll get and how to use them.