If you've got your eye on something this Black Friday, you might be wondering about how best to spread the cost. If you’re planning on paying off a big purchase – or lots of little ones – over a longer period, a credit card could be the best option for you.

Here are three ways that paying by credit card can help you feel better about your financial future.

1. Buy now, pay 55 days later

Most credit card providers offer lengthy interest-free periods to pay back what you spend. So you can spread out the cost of what you buy without having to worry about paying interest.

2. Get protection

Most credit cards offer purchase or fraudulent use protection against theft and loss of items bought with the card, or anyone using your card without permission. The bank should refund you for these incidents.

3. Grow your credit score

If you make your credit card payments on time and in full, you should see an improvement in your credit score. This shows lenders that you can manage your credit well, so they’ll see you as less risky to lend money to.

From applying for car finance to taking out a home loan, a healthy credit score will give you access better offers that could save you money.

Buy better this Black Friday

When it comes to credit, we’ve got your back this Black Friday. Join 3 million other South Africans who trust ClearScore.

Sign up or log in to get your credit score and report for free, forever, or take a look at cards that are right for you on ‘Offers’ page.