15 Ways To Be Credit Smart

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10. Cash in on your perks

A credit card brings in a lot of perks and benefits with it that you don’t receive when you pay through other mediums like check or cash. Read your credit agreement carefully, when you sign up for a card and see what all freebies you can redeem. For example, if you buy something with credit and it gets lost or stolen, then you can exchange it without any extra cost. Some even extend the warranty period of your purchase.