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What First-Time Credit Card
Users Need to Know
1. Only charge what
you can afford. ...
2. Make your
payments on time,
every time. ...
3. Don't just make
minimum
payments. ...
4. Know what to
charge -- and
what to avoid. ...
5. Choose your cards
carefully. ...
6. Beware of fees. ...
7. Check your
statements for
problems. ...
8. Check your credit
reports every
year.

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