points for 1 thing:
"The heart of the credit card problem isn't the card or the system. It's how we use the system. If we use our money and budgeting smarts, credit cards are useful tools. Credit only turns into debt when we mismanage our finances. In fact, a good credit rating speaks for our responsibility, management skills, and ability to use money wisely. Good credit can be good for our future."
— Apr 05, 2024 08:27AM
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