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VassalizedCheese t1_j5e49im wrote

Bad advice. Maybe those who are financially irresponsible should avoid them, but there is no excuse not to use them in today's day and age.

Just be responsible and pay off your balance each and every month. You will need a credit score for all major purchases in your life, and there is no quicker way to build one.

You should not treat credit cards as a source of free money. They are a form of debt, which is neither good nor bad - it's a tool.

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