Credit and Debt

Credit CardCredit is a valuable financial tool. It allows you to buy more expensive items now while making small monthly payments.

Maintaining a good credit history and score will give you more flexibility when borrowing and typically lower interest rates. Credit can also be a dangerous tool if you borrow too much and don't develop a plan to repay your debt.

To protect yourself, make sure you read and understand all of the details in any loan or credit card agreement. In addition, avoid borrowing more than is necessary and have a plan to repay you debt.

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