Copyright 2006 Richard Keir With this kind of spending, many people get into credit card debt that will seem very hard to pay off Choose wisely Don?t worry if you don?t have one because it?s not really necessary for you to have either; having either, however, helps the credit card company evaluate your application better As soon as you find yourself in a bad financial situation, make a budget right away Nearly all credit cards tie their interest rates to the prime rate, which has doubled to 8% from 4% during the string of rate hikes that began in
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