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Credit cards make this capitalistic system make the world go round. To get a house or a car at a great interest rate, you have establish excellent credit.

Many factors should determine which credit card you go with. Think about the interest rate, what kind of of special offers you’ll be receiving, if the card has an annual fee, and if you have the option of transferring balances to that card.

Special offers include a Credit Card Reward Program. This gives you useful rewards like frequent flyer miles or accrued points toward big discounts.

Take your time when choosing a credit card. That little piece of plastic with the magnetic strip can be your best friend or your worst enemy.