"If you are responsible with your purchasing habits, a credit card is much more useful and safer than a debit card... a credit card can earn you hundreds, or thousands of dollars a year for free."
"If you have bad financial discipline, a credit card is an easy way to find yourself in deep financial trouble."
"Using cash or debit cards might not be possible for people on low incomes with children... I have no debts and have built up a small safety net of savings."
Collection
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