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[QUOTE="King bell, post: 302636, member: 75687"] When it comes to managing your finances, one of the most important things you can do is stay on top of your debt situation. Credit cards are a great way to build credit and make purchases, but they can also be a source of financial stress if not managed properly. It’s important to understand how credit cards work and how they affect your overall debt situation so that you can make informed decisions about using them. First, it’s important to know what kind of interest rate you have on each card. Interest rates vary from card to card, so make sure you know what yours is before making any purchases or taking out cash advances. The higher the interest rate, the more expensive it will be for you in the long run as interest accumulates over time. Second, always pay off your balance in full each month if possible. This will help keep your debt under control and prevent high-interest charges from accumulating over time. If this isn’t possible due to budget constraints or other reasons, try paying more than the minimum payment each month in order to reduce the amount of interest accruing on your balance. Third, consider setting up automatic payments for all of your credit cards so that you don’t miss any payments or incur late fees. This will also help ensure that you never miss a payment and remain current with all of your accounts at all times. [/QUOTE]
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