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I am pretty frugal by nature, and I try to use common sense, and get a good know-how about the subject in everything I conduct. When it comes to credit cards, there just isn't any black and white strategy. You definitely need to do some thinking and researching on may would in order to deal with them, and whether you will want to have or not considered.

Best choice is not to offer one in. If you can discipline your spending so you don't spend every one of your income each accounting and vat every then you're already the principal goal by not using the overdraft.

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