Capital One - Using Credit

Using A Credit Card.

Give your card some credit.

The good thing about a credit card is that you can use it any time you like. Big purchases or small ones, expected or unexpected, they all count. And as a bonus, when you use your credit card and make your minimum payments on time, you strengthen your credit score. It's like having the best of both worlds.

There are other great things about credit cards – some offer travel rewards or cash back while others offer savings with balance transfers. Make sure you know which feature is right for you, and always be sure to pay the minimum required on time.

Last but not least, a credit card can help you keep track of all of your spending on a monthly basis. This will make it easier for you to stay on top of your finances.

Remember, you can use a credit card to:

  • Buy stuff you want or need, and pay it back – that's how you build credit
  • Earn travel rewards or cash back
  • Transfer balances from other credit cards and consolidate your debt in one place
  • Track your spending