By now, you are well aware of the rise of the credit card game. In a world that is literally driven by consumerism, it’s no longer about avoiding debt in a debt-based economy, it’s about managing debt. One way Americans choose to manage debt associated with basic purchases is through the use of cards that offer a wide range of benefits at low interest rates. While the main players in this are big banks like Visa, American Express, Mastercard, and Discover, retailers have jumped on the ban wagon, offering their own version of credit card appeal. One retailer that has joined Scrum is Bealls, next in a long list of retailers.
Before listing the top 10 benefits of acquiring a Bealls credit card, it is important to deny that the irresponsible use of any form of credit can have dire consequences. Credit cards should be used responsibly and, whenever possible, you should pay your balance in full each month.
Here are 10 benefits of having a Bealls credit card.
1. The payback of return on investment
As with most credit cards available on the market, users receive points for qualifying purchases when they use their card. For every 100 points accumulated through qualifying purchases, you will receive $ 5 cash back credited to your card account. Every time you use the card during a point of sale or online meeting, you will accumulate points that can be exchanged for cash.
2. Double points
There are options that will allow you to earn double points in certain circumstances. The key is to pay attention to alerts sent via text and email that identify when double-point promotions are in play. Earning double points is a great way to double your ability to pay back. There are some people who eventually get their purchases at a rate of 50 percent of the retail value.
3. Christmas reward
Everyone knows that the holidays are one of the most important seasons to spend all year, and Bealls wants to reward her loyal customers with a Christmas reward. As a Bealls cardholder, you are eligible for holiday rewards that include bonus points for qualifying purchases. These rewards can be redeemed for cash or used to purchase other items. This is a great way to treat yourself to something for Christmas.
4. Birthday reward
One thing credit card companies are getting better at is using their users’ birth dates as a way to promote and reward spending. Bealls is no different – it offers special birthday rewards. Preferred credit cardholders will receive a minimum $ 10 credit on their birthday that can be applied to purchases made with the card. Users with a Platinum Bealls card will receive a $ 20 credit.
5. Club 40 Reward
Once you turn 40, it’s amazing that things are used as a reason to celebrate. Bealls has also decided to get in on the action. For all cardholders over the age of 40, there are additional benefits they can take advantage of. For example, every Tuesday, holders of more than 40 cards enjoy an additional 20 percent discount on all qualifying purchases.
6. Zero annual fee
If you haven’t been eliminated for the unannounced annual fee, consider yourself lucky. One of the ways credit card companies have nickel-and-dime cards is through the fee schedule and the most annoying of all is the annual fee, which basically amounts to being billed for nothing more than be loyal one more year. Fortunately, the Bealls credit card does not charge an annual fee.
7. 25-day interest-free period
The amount of time you have to settle your purchases before they accrue interest is very important. Those who use credit cards for their convenience always pay for their purchases before they accrue interest. With the Bealls credit card, you have up to 25 days to settle purchases before they accrue interest, which is usually at the end of the billing cycle. To be safe, identify when is the last day of your billing cycle and pay before that date.
8. Backed by Visa
The bank that backs a credit card is immensely important. The larger the bank, the greater the benefits and the less restrictive the requirements to obtain the card. Visa has a long …