Credit cards and shopping sprees aren’t the work of the devil. They are just vehicles of capitalism to keep the economy running. Moreover, they can help you fill the rooms of your home.
You can gain when purchasing home accessories, pieces of furniture, fixture, and hardware on credit. Banks and credit card companies offer bonuses through accumulated miles or accrued points. Your home renovation spending spree won’t go to waste when shopping on credit comes with perks.
When you think of what you gain after improving a condo pasig, the home renovation becomes exciting. You can reap the benefits of your spending by doing these five things.
1. Sign Up for Credit Cards Offering Bonuses
Some credit facilities set up a pointing system to encourage customers. When you use the card, you earn and save points you can avail at a later date. Before you can have a thousand points in your account, you need to spend thousands of dollars or pesos.
Renovating and home improvement is sure to cost you a fortune. Use your new card to get those bonuses. Purchasing appliances, furniture, and fixtures as well paying for home repairs make it easy to meet the required amount to rack up points or air miles.
If you target a full home makeover, it’s best to use a combination of credit cards. That way, you can avail different membership perks and promos. The points you gain from big-ticket purchases using several credit cards can cover your three-nights accommodation, first-class plane tickets, and all-paid expenses to other excursions tied with the credit company
2. Shop at Affiliate Sites
Check shopping portals of credit card companies connected to home renovation retailers. They allow you to earn additional points when you bill out from such websites. Shopping at bank affiliate brands and partner sites also lets their customers double their loyalty points.
Browsing in the credit card merchant’s site isn’t the only way to get hefty bonuses. Buying in several transactions can stagger your spending points. Taking advantage of certain seasons ensures you get additional price slashes, cash back, and other bonus promotion. Back-to-school, Black Friday, Easter, Thanksgiving Day, Christmas and the summer season are some of busiest days for merchants. Consequently, these are the best days to shop online.
3. Sift through the Junk Mail
Whether it’s the mail brought by the postman or coming to your online inbox, you can find some good news when you check them religiously. Credit card companies track your spending. They pick up your shopping habits and store preferences, so they send newsletters and emails. Open your inbox to see if they have an ongoing promo or product on sale.
Thus, credit cards offer bonus points depending on where and how you shop for your home renovation needs. The exclusivity feature rewards your brand loyalty. The money you spent isn’t a loss when you have enough miles for domestic flights and other pampering bonuses from the credit subscription.
4. Opt for Cash Back
Fifteen months of no interest gives you time to strategize how to pay off the remaining balance. As much as possible, use your card for paying bills and everyday purchases of materials and additional carpentry tools. It helps you stretch your rewards.
E-commerce sites often have cash backs. Check out some websites before swiping your card at the register. Cash won’t only save you money. It also enables you to add a few items to your cart to maximize your online shopping.
5. Use a Digital Wallet
You can sign up for a digital wallet to automatically debit credit card payments, utility bills, and other expenses. It ensures you settle your dues on time. It also takes off additional fees from over-the-counter transactions.
A digital wallet is also a way to get loyalty rewards. Good debtors or those who pay on time receive payment extensions, low-interest rates or loyalty rewards. Some credit cards have payment facilities tied to them. Try checking them for your convenience.
Spending for your home renovation may be a burden, but it can come with perks. When you pay your balances on time, you can have points or air miles. Let them stack up to enjoy a year of travel, sponsored recreation, and more shopping.
Don’t be afraid to a sign up for a credit card. Often, it is the key to building and designing your dream house or condo.