{"id":157,"date":"2026-09-03T10:51:11","date_gmt":"2026-09-03T10:51:11","guid":{"rendered":"https:\/\/credits.ocslive.com\/?p=157"},"modified":"2026-09-03T10:51:11","modified_gmt":"2026-09-03T10:51:11","slug":"why-a-credit-card-can-actually-be-a-useful-tool","status":"publish","type":"post","link":"https:\/\/credits.ocslive.com\/mk\/2026\/09\/03\/why-a-credit-card-can-actually-be-a-useful-tool\/","title":{"rendered":"\u0417\u043e\u0448\u0442\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u0442\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0430 \u043c\u043e\u0436\u0435 \u0434\u0430 \u0442\u0438 \u0431\u0438\u0434\u0435 \u043a\u043e\u0440\u0438\u0441\u043d\u0430"},"content":{"rendered":"<p><span class=\"lang-en\">\u041a\u043e\u0440\u0438\u0441\u0442\u0435\u043d\u0430 \u0432\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u043d\u043e, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u0442\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0430 \u043a\u043e\u043c\u0431\u0438\u043d\u0438\u0440\u0430 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u043d\u043e\u0441\u0442, \u0444\u043b\u0435\u043a\u0441\u0438\u0431\u0438\u043b\u043d\u043e\u0441\u0442 \u0438 \u043c\u0430\u043b\u043a\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0441\u043a\u0430 \u0441\u0438\u0433\u0443\u0440\u043d\u043e\u0441\u0442 \u2014 \u043c\u043e\u0436\u0435 \u0434\u0430 \u0433\u0438 \u0438\u0437\u043c\u0430\u0437\u043d\u0438 \u0432\u0440\u0435\u043c\u0435\u043d\u0441\u043a\u0438\u0442\u0435 \u0440\u0430\u0437\u043b\u0438\u043a\u0438 \u043c\u0435\u0453\u0443 \u043a\u043e\u0433\u0430 \u043f\u043b\u0430\u045c\u0430\u0448 \u0438 \u043a\u043e\u0433\u0430 \u043f\u0440\u0438\u0441\u0442\u0438\u0433\u043d\u0443\u0432\u0430\u0430\u0442 \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0435.<\/span><\/p>\n<p><span class=\"lang-en\">\u041a\u043b\u0443\u0447\u043d\u0438\u043e\u0442 \u0437\u0431\u043e\u0440 \u0435 \u201e\u0432\u043d\u0438\u043c\u0430\u0442\u0435\u043b\u043d\u043e\u201c: \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u0442\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0430 \u0435 \u043d\u0430\u0458\u043a\u043e\u0440\u0438\u0441\u043d\u0430 \u043a\u043e\u0433\u0430 \u0441\u0430\u043b\u0434\u043e\u0442\u043e \u0441\u0435 \u043f\u043b\u0430\u045c\u0430 \u0446\u0435\u043b\u043e\u0441\u043d\u043e \u0441\u0435\u043a\u043e\u0458 \u043c\u0435\u0441\u0435\u0446, \u0441\u043e \u0448\u0442\u043e \u0446\u0435\u043b\u043e\u0441\u043d\u043e \u0441\u0435 \u0438\u0437\u0431\u0435\u0433\u043d\u0443\u0432\u0430 \u043a\u0430\u043c\u0430\u0442\u0430\u0442\u0430. \u041d\u043e\u0441\u0435\u045a\u0435\u0442\u043e \u0441\u0430\u043b\u0434\u043e \u043f\u043e\u0434\u043e\u043b\u0433\u043e \u0432\u0440\u0435\u043c\u0435 \u0435 \u043c\u0435\u0441\u0442\u043e\u0442\u043e \u043a\u0430\u0434\u0435 \u0442\u0440\u043e\u0448\u043e\u043a\u043e\u0442 \u0441\u0435 \u0437\u0433\u043e\u043b\u0435\u043c\u0443\u0432\u0430.<\/span><\/p>\n<p><span class=\"lang-en\">\u0410\u043a\u043e \u0440\u0430\u0437\u043c\u0438\u0441\u043b\u0443\u0432\u0430\u0448 \u0437\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0430, \u043f\u043e\u0433\u043b\u0435\u0434\u043d\u0438 \u0433\u0438 \u0446\u0435\u043b\u043e\u0441\u043d\u0438\u0442\u0435 \u0443\u0441\u043b\u043e\u0432\u0438 \u2014 \u0433\u043e\u0434\u0438\u0448\u043d\u0438 \u043d\u0430\u0434\u043e\u043c\u0435\u0441\u0442\u043e\u0446\u0438, \u043a\u0430\u043c\u0430\u0442\u043d\u0430\u0442\u0430 \u0441\u0442\u0430\u043f\u043a\u0430 \u0448\u0442\u043e \u0432\u0430\u0436\u0438 \u0430\u043a\u043e \u043d\u0435 \u043f\u043b\u0430\u0442\u0438\u0448 \u0446\u0435\u043b\u043e\u0441\u043d\u043e, \u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0430\u043d\u0438 \u0441\u043e \u0431\u0435\u043d\u0435\u0444\u0438\u0446\u0438\u0438 \u0438\u043b\u0438 \u043d\u0430\u0433\u0440\u0430\u0434\u0438.<\/span><\/p>\n<p><span class=\"lang-en\">\u041e\u0432\u0430 \u0435 \u043e\u043f\u0448\u0442\u0430 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u0430 \u0441\u043e\u0434\u0440\u0436\u0438\u043d\u0430, \u0430 \u043d\u0435 \u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u0435\u043d \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0441\u043a\u0438 \u0441\u043e\u0432\u0435\u0442 \u0438\u043b\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430 \u043f\u043e\u043d\u0443\u0434\u0430.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Used carefully, a credit card combines convenience, flexibility and a bit of financial security \u2014 it can smooth out timing gaps between when you pay and when income arrives. The key word is &#8220;carefully&#8221;: a credit card is most useful when the balance is paid off in full each month, avoiding interest entirely. Carrying a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":158,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide"],"_links":{"self":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/posts\/157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/comments?post=157"}],"version-history":[{"count":1,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/posts\/157\/revisions"}],"predecessor-version":[{"id":159,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/posts\/157\/revisions\/159"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/media\/158"}],"wp:attachment":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/media?parent=157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/categories?post=157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/tags?post=157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}