One of the most useful tools in your wallet is your credit card. This is despite the bad reputation thrown at credit cards. A credit card can allow you to purchase anything without the presence of cash in your wallet. Apart from that, credit cards can also provide you with identity theft protection, cash backs and other benefits – depending on the type of card you have in your hands. If you don’t like carrying cash all the time, credit cards is perfect for you. However, if you have a hard...