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Credit card is one of the basic means to help you establish credit and boost your credit rating. It is usually issued by a financial company granting the holder an option to borrow funds on an on going basis. It is usually recommended as a replacement for short term funding needs. You can pay for the merchandise or services each month within the set limit of amount. After you make your payment, the used amount is available for use again. Credit cards can offer so many benefits if you know how to use them.



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