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Missing a payment all together can result in interest and charges, this is also likely affect your credit score negatively.

Another key benefit of credit cards is their flexibility.

You can pay back your balance in large or small increments.

You could use a credit card for all of your regular shopping and pay off the balance at the end of the month or keep a card just for emergencies.

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It's important to work out if a credit card is right for you and the best way for you to borrow money.

If you do decided on applying for a credit card, make sure you think about what card meets most of your needs.

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