Should I get a credit card?

A credit card looks just like a debit card. However, instead of having the funds removed directly from your checking account when you make a purchase, you’ll essentially take on a short-term loan. This loan may or may not accrue interest, depending on when you pay it off. If used wisely a credit card can help you by establishing you credit score which is important for future major purchases. However, credit cards are extremely easy to use and many people can into debt because they over use their credit card.

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