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Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. Some credit cards are restrictive when it comes to earni. Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time you spend. When credit card companies issue credit to consum. Not all credit cards have perks, and options might be limited depending on your credit score.

With an average household credit debt of about $9,000, it's clear that many people use credit cards irresponsibly.

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