Credit cards can save individuals in emergencies but also lead to debt due to poor usage. Responsible use of credit cards can yield strong benefits, such as building credit scores and earning cash back. Many avoid credit cards out of fear of debt, but understanding their proper use is essential, especially as credit card interest rates reach record highs. The smart usage of credit cards helps individuals progress towards financial goals while enjoying perks like purchase protection, which debit cards typically do not provide.
When used responsibly and intentionally, credit cards can offer strong financial benefits, including earning cash back and improving credit scores.
The average credit card APR is at record highs, making it more important to know how to use credit wisely today.
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