5 times you shouldn’t use a credit card

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By Amrita Jayakumar

A credit card used responsibly can be a great tool to build your credit score and a credit history.

If you pay off your bill in full every month and balance your budget like a pro, using a credit card for most expenses allows you to track your spending easily and take full advantage of cash-back and other rewards programs.

But if you don’t pay off the bill each month, the high interest rates on a card will cost you as your debt keeps rolling over. That’s when you should consider cheaper methods of financing.

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