{ "item_title" : "Basics of Credit Cards", "item_author" : [" Rakesh Kumar "], "item_description" : "Welcome to Basics of Credit Cards, your comprehensive guide to mastering one of the most widely used financial instruments today. Whether you're just starting out or seeking to deepen your understanding, this book equips you with the knowledge to navigate the world of credit cards confidently and responsibly.Why Credit Cards MatterCredit cards offer far more than convenience-they're your gateway to building credit history, managing emergencies, and earning rewards-from cashback to travel perks. Used wisely, they unlock remarkable financial flexibility and benefits.However, with great power comes great responsibility. Without proper understanding, credit cards can lead to high interest charges, mounting debt, and credit score damage. This book helps you avoid pitfalls like overspending, high APRs, and misleading promotional offers.What You'll Learn in This BookFoundations First: Learn what a credit card is, how it works, and the key terms-like APR, billing cycle, grace period, and credit limit.Benefits vs. Risks: Understand the advantages-like rewards and purchase protection-as well as the drawbacks, such as high interest and fees.The Importance of Reading the Fine Print: Discover how to interpret the Schumer Box and assess fees, APR, and terms clearly and effectively.Responsible Strategies for Success: Learn how to manage spending, avoid interest, and build a healthy credit score by paying in full and keeping utilisation low.", "item_img_path" : "https://covers2.booksamillion.com/covers/bam/9/79/829/779/9798297791237_b.jpg", "price_data" : { "retail_price" : "27.00", "online_price" : "27.00", "our_price" : "27.00", "club_price" : "27.00", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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