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5 smarter ways to use credit card

Using a credit card is smarter than paying with a debit card. The golden rule, is to only pay only what you can afford to pay back in full at the end of the credit cycle. Remember, never spend more than what you earn. That twenty-thousand-dollar credit that you received from your credit card provider is your maximum limit, and in most cases, you won’t be able to pay that in full at the end of the month. The money that you earn, or can afford to repay without accruing interest, is your spending limit.

Never get into the trap of paying minimum fees and interest. Even if you happen to overspend, make sure that you pay it all back in full as soon as possible. This sounds a bit like grandmotherly advice – but sometimes, there is no better way to get across the basic common sense that most of us tend to ignore. If you agree to this big a commitment, then you are ready for these five reasons why managing expenses with a credit card will help you come out on top.


When you pay with your debit card, your money is gone straight away. When you pay with credit card, the money is still in your bank account. That means you don’t have to watch your bank account so closely. And you don’t have to worry about losing your monthly interest since you’re not taking money out of your savings account. Always try to have a savings account that earns high interest.


We’re quickly becoming a cashless society, and to facilitate this shift, apps like youchamp offer credit card payment facilities to pay your friends. Using your credit card to pay friends and family back is faster and more convenient. And has the added bonus of security! You can quickly cancel a credit card if it gets stolen and most credit cards come with insurance including travel insurance. So if you tend to travel a lot for work or leisure, next time check if your credit card offers travel insurance. That way,  if you bought your tickets using a credit card you won’t have the hassle of buying additional travel insurance. You can’t retrieve lost cash, unless you’re lucky enough to find it again! But credit cards can be quickly cancelled with a simple phone call.


Likewise, credit cards make online shopping much safer. They come with extra layers of fraud protection and security, so there’s little risk of losing money when you shop online. And if you’re using a website you trust, credit card payments are a great way to add ease and save time. As a general rule of the thumb before using credit cards online make sure that the website starts with https:\ in the browser – do not proceed using credit cards if websites do not have a valid SSL Certificate. If you are regular shopper on a particular website, try and see if they have a mobile app instead. Most of the e-commerce apps are security protected.


Having a credit card will help you build a great credit history – well, provided you pay off your balance on time every month. A good credit history will make it easier for you to apply for home loans and car loans the in future. Apps like youchamp will help you practice good repayment habits so you can be on your way to building a positive credit score!


Many credit cards come with bonuses and offer reward points. These rewards points, when accumulated, could be a good place to get those fancy household appliances. There are perks such as Frequent Flyer points, low or nonexistent fees, promotional rates and bonus points. Usually there are minimum requirements you’ll need to meet first, but the bonuses are certainly worth using a credit card for expenses which you would be paying anyway. Credit cards are the best form of keeping a tab on all expenses, some of which might even be tax deductible, which could come in handy at the time of finalising your tax returns.

As long as you use your credit card responsibly, there are many reasons why you should start using one instead of paying with a debit card or cash. They offer rewards, security and convenience. There’s really no reason not to get on youchamp and start repaying or collecting money from your friends just with your credit card!

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Our favourite youchamp app features

our favourite youchamp app features

Avoid uncomfortable conversations when you use the youchamp app to settle group expenses. Here are some of our favourite youchamp app features for sharing costs, chatting with friends and keeping track of group expenses.

youchamp is the best split bill app for:

  • Group dinner parties
  • Holidays and trips
  • Work events and family functions
  • Sharing rent and paying bills
  • Requesting payments
  • And much, much more!

Bill splitting features:

  • Make equal and unequal split payments
  • Pay with credit card, direct debit or cash
  • Request payments from those who owe you
  • Keep track of when someone pays you
  • Pay for yourself or pay for others
  • youchamp does the splitting calculation for you

Expense management app features:

  • Make direct payments with only a phone number
  • Share group costs or make direct payments
  • Ability to categorise expenses
  • Make private payments to friends and family
  • Organise what you owe and who owes you
  • Make recurring payments
  • Pay individuals or pay everyone in one go
  • Keep a record of the expenses you’ve paid


youchamp is also the best chat app:

  • Invite your contact list to join
  • Private in-app chat with file sharing capabilities
  • Group chat or private chat with others
  • Share pictures and videos
  • Add a cover photo to your group chat


Other youchamp split bill features:

  • 100% secure in-app payments
  • Clean, easy-to-use interface
  • Intelligent assistant who will help with your questions and expenses
  • Totally ad-free experience
  • Available to download everywhere. All accounting and money management features work in Australia, Singapore and India.

If you are looking for the best bill splitting app on the market, you’ve come to the right place. Everyone needs a champion in their life, and youchamp sure is a champion. Download youchamp app today!


Download youchamp today


The latest update of youchamp is now available in both the Play Store and App Store. For those of you who are new to youchamp, what does youchamp do? While it takes care of first world problem such as sharing bills and getting organised, the aim of youchamp app is for users to care, share and become champions. youchamp allows you to automatically share bills with a range of options to pay your share; create events with close group of real friends/relatives that you always want to spend time with; and not having to worry about the maths. You can continue to build memories and repeat regular events without having to update your calendars or chase payments. youchamp will do it for you!

youchamp is built upon the three basic fundamentals of caring, sharing and becoming a champion:

Youcare – youcare about your friends, so make sure they know it. There’s no limit to what you can share with your friends through youchamp. You can help them with household bills, organise a gift for a group member, or contribute towards you group vacation. Youchamp will help you and your friends create more special memories.

You share – Share your caring moments with your friends. Dinner parties and events are moments to be shared, and youchamp keeps you in that moment even after you’ve left the venue. Share photos, meaningful conversations, live chats and leave the stress of organising payments so you can focus just on having a good time.

Youchamp -youchamp is making it possible for everyone to be a champion. Hassle free payment options so no carrying cash, finding ATMs, fielding excuses of “I will pay you later” etc. Keep it clean, keep it simple, use youchamp and become a champion. There is nothing more important than your friendships.

Try youchamp today and enjoy sharing again!