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-useful for emergencies -often required to hold a reservatin -protection against fraud -offers great benefits (flyer milage, cash rebates, etc.) -help establish positive credit history
If a credit card is used irresponsibly, it may have a negative impact on you credit history. In turn this can lower your credit score. This can prevent you from qualifying for loans on mortgages or car loans. Often people with bad credit scores have higher interest rates, and difficulty obtaining employment.
If you use credit to your advantage, you could live a pretty nice life!
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