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Dont have one, dont want one. I figure sometime later in college I will need one so that I can work on a credit rating to buy a car/house, but even that will have very little placed on it. I hate owing people money at all, and I dont think people should be buying things they cant afford.
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"Good people do not need laws to tell them to act responsibly, while bad people will find a way around the laws."
--Plato
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