I pay my cc bill off monthly, so it won't affect me. Besides, there are better ways to borrow money than through your credit card.
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"Few people are capable of expressing with equanimity opinions which differ from the prejudices of their social environment. Most people are even incapable of forming such opinions." - Albert Einstein
"Wise men talk because they have something to say; fools, because they have to say something." - Plato
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