Credit cards get a bad reputation because of their high interest rates, which can trap you in a lot of debt for a long time -- especially when combined with the fact that card companies usually set low minimum payments. Since people can get into financial trouble with credit cards, some financial experts recommend steering clear of them, and many consumers try to avoid using them. In reality, credit cards can actually help you improve your credit, earn rewards, and otherwise take steps to improve your financial situation.
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