Nowadays, it's hard to imagine life without Credit Cards. Credit Cards accompany us everywhere, and – according to the statistics – they are one of the most popular means of payment in United States. What distinguishes a Credit Card from a debit card is that it allows you to spend the bank's money instead of your own resources. In other words, you can do shopping even if there is not a single penny in your account. However, this could also be the Credit Card's most deceitful advantage, as it may encourage you to go overboard with your spending.

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This is a good solution if, for example, due to higher expenses in a given month, you need some extra cash for a short period of time. A Credit Card can also be a convenient use of credit every time you need extra money – quickly and without submitting any loan applications.

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