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I got notices about raising the interest rate to about 17%! I have to make sure they're not listed on any of my online shopping accounts because I'm surely never using them.
I pay my credit cards in full, and only use them for convenience. I've been just using my debit card for the past several months. If I can't afford it and buy it anyway, after my bills are paid, it's pasta for dinner.
Of course, in an emergency - they are a great back-up.
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