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Use credit cards to build up points for other stuff. Pay off at end of month. I do have a car loan that's just about done. Due to falling interest rates these past few years, I called and got the interest rate lowered a few times. The laptop I'm using to write this I purchased from Compusa on one of their promotional "3 years, no interest" plans. I'll probably have it paid off within a year. I get credit card offers all the time so I must have pretty good credit.
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