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Now that you have mastered how to handle expenses and some key basics and terms, it's time to pay your credit card for the first time. There are a lot of "right" ways to pay for your bill, but there are ways to pay for your card, which you must avoid. We are here to make sure you avoid these pitfalls and continue to strengthen your financial game.

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It is economically feasible to have a credit card. However, strong powers bring great responsibility, and you must always pay attention to certain aspects of a credit card. This way, you can make the most of your existing credit, not the risk of falling into a debt trap.

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Tourism is expensive. In addition, why should cities and countries work so hard to host events such as the Super Bowl, the Final Four, the Olympics and the World Cup? Although these activities are costly in terms of infrastructure, planning and security, they also contribute to the local economy as a result of increased business in local hotels, restaurants and shops. Therefore, whether we are aware of this or not, most of our travel expenses are generated by trading with merchants at the destination. Whether you are booking a hotel and day trip before departure, or simply shopping and dining after you arrive, this is all right. So you might ask yourself what is the best way to pay for all these merchants? Is it cash? Is it a traveler's check? Is it a credit card?

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If you want to use your credit card in the right way, you don't have to give up your credit card altogether - although if you know that you can easily abuse your credit card, this is not a bad strategy.

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Only a few days away from holidays, you may feel that Black Friday advertising is inevitable. You may also start thinking about another less commercial part of the holiday – you are grateful this year. On the debit card, we thank anything that makes personal finances easy and stress-free.

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Free money from your credit card company will never be a bad thing, as long as you keep your payment – are you? In most cases, no. As long as you pay your bills in full and on time, it's usually a good thing to earn more. However, if you pay an annual fee on the card, your reward income may not be as valuable as it seems.

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You have heard it before, and you may hear it again - it is important to have a good credit score. If your credit score is high, you are showing the lender that you are a good risk. This means that you are more likely to repay the loan (or credit card bill, etc.) on time and in full.

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People without a credit card are usually the hardest to apply for a credit card. This is because most credit card issuers require applicants to have some form of credit history, including credit scores, to approve new credit card applications.

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A recent report showed that college students have an average of more than four credit cards with a total balance of more than $3,000. Some students have credit card debts of up to $7,000. Graduating with so many credit card debts will hinder you from entering the real world, especially if you missed a payment or default.

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When you get your first credit card, it feels a bit like free money. You can go shopping (even if you just buy groceries!) and don't see the money flying away from your checking account. Although it feels interesting now, unfortunately, you still have to pay for these things in the future.

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