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There are many reasons why one should have a credit card but probably the most important one is so you don’t have to carry a wallet full of cash. Imagine you were out to purchase a hi-fi system that is going to set you back around $2000, you don’t want to take the chance of carrying that amount of cash on you do you? There may also be times when you chance upon a bargain and you just don’t have the cash on hand. These are the times when credit cards come in handy.

Just remember not to spend more than you can afford and you will never look back, especially 0% credit cards.