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Advice: Credit cards offer convenience but may cost more in the long run

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Credit cards have an increasingly larger presence in our financial lives. But if we are working hard to avoid new debt or pay down current debt, it may be important to find alternative ways to manage our money.

Credit cards are a convenience, but studies show that even if paid in full every month, people tend to spend more when using plastic. So even if you are getting reward points, are you really gaining anything?

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