Who is defined as a convenience user?

The definition of a convenience user primarily refers to a cardholder who pays their account balance in full by the due date. This approach allows the user to avoid interest charges and take advantage of the benefits offered by credit cards, such as rewards programs or additional perks, without incurring debt.

These users typically treat their credit cards as a cash management tool rather than a source of borrowed funds, ensuring they only utilize the credit available to them as a means of convenience — to simplify purchases, manage cash flow, or earn rewards — while consistently being able to pay off what they spend each billing cycle.

This practice is not only financially prudent but also reflects responsible credit behavior, contributing positively to one’s credit score and minimizing financial risk.