Author: Shirley Huang

As a young marketer who loves to travel, Shirley has visited many parts of the world including Europe, Asia, North America as well as Africa. Studying International Business and Marketing, Shirley has been given the opportunity to study abroad in Singapore and Taiwan learning about their cultures and lifestyles. As a child, she has always longed for a career where she can travel to foreign countries and introduce them to the world. She realized that she needed to start small, so marketing products and services to those who were not familiar with it would be her preliminary step. When travelling became a frequent hobby for Shirley, she decided that signing up for a rewards card would be an ideal decision. Shirley has been a member of Aeroplan and Air Miles for over a decade, collecting points each time she travels. She has also stayed at hotels situated all over the world ranging from 2 stars to 6 stars; she’s become an expert in hotel bookings and standards. Although Shirley loves to travel, she prefers to redeem cash-back when making daily purchases. Her current credit card portfolio includes the MBNA Smart Cash MasterCard and Capital One Aspire Cash MasterCard as they offer a high cash-back return than most credit cards.

Top 8 Reasons for Not Having a Credit Card

ByShirley Huang

Do you ever wonder why people who are eligible for a credit card do not own a credit card? Pointshogger decided to look a little more into this by speaking with a few people and doing a bit of research on our own.

1) Credit Cards are Not Safe. Most people believe that using a debit card or using cash is a better option than using a credit card as it is safer. Many credit cards actually protect you during travel and purchases. For example, price protection means that if you find a lower regular price of an item with 60 days from the day of purchase, you may get reimbursed for the price difference. This is something cash or debit card does not offer.