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Most people borrow money to buy a car, a house, or go to college. Readers learn how to make credit work for them instead of falling into long-term debt. This guide covers secured and unsecured credit, calculating interest, understanding statements, choosing the right card, fees, billing cycles, minimum payments, balance transfers, and cash advances. Also discusses credit scores and credit reports, whether someone is a good credit risk, and how to protect personal information.

Credit cards --- Finance, Personal