Why Are Credit Cards So Beneficial? By Zachary M. Potojecki Have you ever asked someone about credit cards, and they immediately tell you that they are evil? If the answer is yes, then the odds are they never had anyone take the time to explain how credit cards work and how they can be so beneficial to you. Credit cards do have their pros and cons just as most things in life. Let’s talk about your credit first. Are you the kind of person that has excellent pay history, but your score is stuck in the low to mid 600's range? If this is you, ...