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A blind refusal to adopt credit, however, can hurt your long term wealth.
When used correctly, credit cards can dramatically help your financial life.
You will learn how to break the paycheck to paycheck cycle and sleep better than you have in years.
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And yet, this useful financial instrument is anathema to many borrowers, especially young adults.
Nearly 70% of millennials, for instance, prefer debit to credit, according to a recent survey by Chime.