Considering credit over cash? Credit cards can be a convenient and flexible form of payment, but they have to be used responsibly in order to make the most of your money. Though credit cards allow you to purchase items instantly without using cash, it’s important to use your cards as carefully as you would handle your cash.

Before getting a credit card, first define your financial lifestyle and search for a card that fits with your situation and spending habits. After choosing a credit card, take time to understand its features and how it can affect your credit score.

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