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Originally Posted by louj  I think that it is a matter of discipline and paying your accounts on time. Make it a priority to pay your bills, although the interest rate is low as we see it; it is still way better if we don't pay any interest at all. |
I would agree with you. Money management is definitely very important and I would only recommend one to apply for a credit card only if he or she can exercise reasonable self-control over his or her own expenditures. You certainly don't want your credit card debts to snowball, especially with the hefty interests.