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Three things Banks never wanna tell you about credit cards -credit cards are one of the greatest tools to build payment history, age of credit history, and the only account to maintain credit card utilization, but they can also wreck your credit score. Buy as much as 100 points in one month -credit card utilization should never report more than 9% on a monthly basis. -if you do carry credit card balances, they calculate the interest on an average daily balance not just the balance at the end of
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