It’s best to pay your balance in full each month so you avoid paying interest, but a low-interest credit card may be wise if you expect to carry a balance from time to time. If your credit score isn’t where you’d like it to be, work on improving your credit. You can review your credit report by requesting a free copy from and check your credit scores for free through your issuer or a credit bureau. The better your credit score, the better your chance of qualifying for a credit card with excellent perks and terms.
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