Smart Card Use
Smart Card Use
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Use credit cards for planned purchases, not impulse spending.
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Rewards are not worth paying interest.
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Choose rewards cards that match your real spending habits.
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Avoid spending more just to earn points.
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Watch annual fees carefully.
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Ask about a no-fee card option before closing an account.
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Keep old cards active with small occasional purchases.
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Pay those small charges immediately.
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Set account alerts for due dates and large purchases.
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Set balance alerts so spending does not sneak up on you.
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