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The biggest issue with people and credit cards is that they don't budget the card. The way I was taught was if you don't have the cash to pay for it a credit card is not a substitute. It is the same as cash. Example if you have $500 in your bank account and are planning a purchase and use a credit card. Make the purchase with the card and use the cash to pay off the card. Where people get in trouble is they put $500 on the card but still spend the cash also. This is where the debt starts and hurts your credit.
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