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6

Become an Expert in Your

Credit Card Rates and

Payments

Remember how I made a list of the credit cards my wife and I owned when we first got
married? I remember there being at least six different credit and store cards.

All of those cards had different due dates, different minimum payments, different APRs

and different balances.

These credit cards were minefields for over-utilization and late payments, the two factors

that can drop your credit scores by double digits in a matter of days.

The wise thing to do here is to create a chart that looks something like this:

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