💳 Are credit cards actually bad?
The truth is — credit cards can either hurt you or help you. It all depends on how you use them.
Used right:
✅ They build your credit score
✅ Give you rewards or cash back
✅ Offer purchase protection
Used wrong:
❌ They trap you in debt
❌ Hit you with high interest
❌ Wreck your credit score
Don’t fear the tool. Learn how to use it wisely 🔑
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