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Credit cards if used correctly, are an excellent asset to your credit score. For instance, if you used a credit card to fill your gas tank once a month and immediately paid it off. Just use the cash you would have used anyway, and there won't be an issue.
If your credit card has rewards, like 1% cash back or so. You are making money with your card. In addition, you tell the credit bureaus that you can take out loans and pay them off. So, your credit score will skyrocket. Let them work for you.
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