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I have just started working on building my first credit card, it started at 300, now its 750, I always pay it off at the end of the month, and now that it has a limit over 300, I pull it out instead of my debit card.
fruad liability is the same on both my debit and credit cards, BUT, my credit card doubles the time of warrenties upto 2 years for products I buy. Plus having good credit in this world is important if you want to do anything from buy a new car, (or a washing Machine) to buying a house (to put that washing machine in)
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