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You aren't borrowing money for the charges you make.

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This is how to make them work for you.

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Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. Sifting through card details such as balance transfers, apr percentages and annual fees can be confusing, to say the least. By megan geuss pcworld | today's best tech deals picked by pcworld's editors top deals on great products picked by techconn. Cash cards are a convenient way to make purchases. The difference with using a debit card, though, is that the money you spend with a debit card is yours.

Sifting through card details such as balance transfers, apr percentages and annual fees can be confusing, to say the least.

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