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Rodney-
This is VERY true. I had a decent experience with Cpaital One, but also learned my lesson that NO credit card is a good credit card.
Personally, I suggest not having one at all. Put together a "nest egg" large enough to take care of emergencies (usually $5k is MORE than enough) even though this can be tough if you don't make much money. Then just use a debit/check card. Paying interest is good for them and bad for you... always... without fail!
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