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Old 06-20-2013, 05:27 PM   #9
bmulls
Great college starter
 
Join Date: May 2011
Posts: 3,678
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Default Re: Finally got my first credit card!

The only reason you should use it is for emergencies or planned purchases where you buy something and pay it off immediately to build your credit score.

I know way too many people who already ruined their credit in their 20s because they think a credit card is free money
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