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Credit Card 101

A credit card can be your best friend or can put you in debt that can take years to work off. The first fact to understand is that a credit card is not free money. A credit card balance is a balance that must be repaid at the end of each billing cycle, usually 30 days. If the balance is not paid, a hefty interest rate is usually levied upon the amount of the balance, sometimes ranging as high as 20% APR.