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- 1. Plan your credit use.
-
- 2. Avoid credit interest
- charges.
-
- 3. Check your credit report.
-
- 4. Avoid cash advances.
-
- 5. Check your credit card's
- interest rate.
-
- 6. Limit the number of
- credit cards.
-
- 7. Don't shop without a plan.
-
- 8. Reconsider "gold"
- credit cards.
-
- 9. Make more than the
- minimum credit payment.
-