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To a responsible and informed user, a credit card can be a wonderful tool. However, they are too easy to abuse and get carried away with frivilous purchases( I got caught up in it myself). If you have the information(easily obtained by asking questions) and the self control, you can reap the benifits of credit card use, especially now with the rewards programs associated with individual cards. I agree the CC companies are counting on us running up our debt, that is their business. But ultimately we are aware of the potential consequences and are responsible for our own actions.
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Get it done!
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