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Of course, this is how "credit" works, lol. It's a money making business. If you pay off all of the time right away, then you're better off keeping a CC account without using it, and instead use a bank debit card that draws right from your checking account.
Once every couple of months buy something on your CC and mail the payment the same day, just to keep your credit score up.
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43-922-863 Shut up and play your guitar.
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