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Personally, I think credit cards are only useful for Internet purchases and establishing credit. As a rule, I don't buy anything I can't pay off within the month.
Debt is useful and appropriate for only two things, in my opinion: education and a home. I have and will only buy vehicles, electronics, furniture, etc. outright.
As a result, other people owe me money, instead of the other way around.
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"There are finer fish in the sea than have ever been caught." -- Irish proverb
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