Establishing credit is in many ways as much a teenage rite of passage as driving or dating...

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If your goal is to reduce credit card debt or make your credit less expensive, paying a lower interest rate should be part of your plan...

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Many of us have one or two rogue bank or department store credit cards that we opened at some point for some reason – a store discount, air miles or other bonuses – but have sat unused in a sock drawer or in the back of an overstuffed wallet for years...

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