A credit card is a financial tool that allows you to borrow funds up to a pre-approved limit for purchases or cash advances.
Key features include an
- Interest rate
- Annual fees
- Reward programs like cash back or travel points.
It’s essential to understand the terms and conditions, including the grace period and late payment penalties.
Responsible use, such as paying off balances promptly, can help build your credit score. Many credit cards offer additional benefits like purchase protection and travel insurance. For managing your finances effectively, consider the features and benefits that best suit your needs with a credit card.
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