Pros to credit playing cards start with the growth of spending power past what monthly earnings allows. It provides the borrower a independence to make buys they or else would not pay for. It helps with emergencies as it covers the invoice and gives the user time to come up with the payment. It is revolving debt, so as you make payments to spend down the loan, you totally free up extra spending energy. People like the independence plastic cards give as they are accepted all over the globe and make online shopping a breeze.