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Credit card.. constantly paying it off every month, down to 0, have never (in 8 years of having it) had to pay a % on a balance left over from the previous month.
I used to use a debit card exclusively, but after the Target hack a friend of mine advised me to switch to the credit card so that if that ever happened again it'd just be CC info they stole not debit info. I also still use cash a lot unlike most people who went straight to plastic.
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