Some people are used to having a debit card and they don’t understand how important it is to have a credit card. First of all, a credit card that is used correctly and paid on time can help you build credit. Without a good credit it can be difficult to obtain a loam, a mortgage, and any other forms of financing. Also, shopping with a credit card often gives you cash back on your purchases, and you can even earn money as soon as you sign up as a bonus.

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