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From what I have seen, Ramsey advocates avoiding credit whenever possible, and he argues that you do not need a good credit score.
I happen to have one and it seems to present many opportunities I would otherwise be missing, although all that I have done with it has been to get a credit card with better terms.
I do not know what he says about juggling credit cards, but I figure that if the 0% introductory rate helps me pay off my debt faster, so be it.
I would not have as favorable terms if I had a lower credit score.
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