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Use your credit cards wisely

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For many people, managing a credit card is harder than getting one. Any time you use a credit card, you are borrowing money you must repay. If you don't pay your balance in full each month, your creditor will add interest to the total amount you owe.

The Credit CARD Act of 2009 took effect February 22, 2010. Learn more about the new restrictions on credit card fees and interest rate policies.

Here are some tips for using credit cards wisely:

Other options to consider: