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Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history.

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Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. Not all credit cards have perks, and options might be limited depending on your credit score. There are thousands of credit cards out there to choose from. Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. Establishing a positive payment history on a new credit card account is one of the best ways to start improving.

The result of an application is mostly based on your credit score, although other factors are.

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Whether you're starting your own small business or you're already running one, its continued financial health is one of the most important things to keep in mind.

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