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Before getting married I had a job that paid me a lot of money, so I always paid for everything with cash. When I decided to get married I went town to pick out the engagement ring. I had plenty of money in the bank to pay for the ring, but I had decided pay for the ring on payments so I could cover expenses for the wedding etc. Because I didn't have any credit rating I couldn't get any credit and had to get my mother to co-sign. After that I got a credit card and use it every now and then in emergencies.
Credit cards are a good thing to have as long as you don't abuse them.
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