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There are many things that you should consider when using your credit

card but the two most important are:

1) Keeping your usage down and 2)

Watching out for interest rate increases.

It is important to know that you should not be using your credit card

to make everyday purchases for items like food, clothing, and gas.

Credit cards should be used for emergency purposes only; using your

credit card as a substitute for cash can put you into serious debt

before you even know it. With that said make sure you stay within 30%

of your credit limit to avoid damage to your credit score.

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