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Provided you stick within the credit limit, and never make ATM withdrawals, it works just like a billed monthly debit card as there is no interest.

Are you already a subscriber to the Ralston Recorder?

Financial institutions generally view a long, positive credit history as a sign of trustworthiness and may reward you with lower interest rates as a result.

If credit cards are used wisely — you pay them off in full each month and never miss a bill — they can also be a tool to help you save.

One of those is how we go about meeting people for dates.