Hi, I'm 21 years old, was wondering what the benefits that come with signing up for a credit card are?

Hello! Here are some benefits:

• Spending money you don't have yet (i.e. borrowing on credit)

• Cash rebates / Cashbacks / Miles

• Credit card discounts

Here are some articles to help you:

• Maximising your credit card

• How to apply

• Myths about credit cards

The hacks that come with a credit card depends on which credit card you are using.

But generally, one hack is to use multiple CCs and max out the cashback/miles you get from each card if there is a monthly cap to the amount of cashback/miles earnt. Here is a wedding specific hack to credit cards.​​​