Before taking out a credit card, ask yourself if you really need one.
You'll get plenty of credit card offers in your mails everyday. Some offers will be too tempting too resist. No matter how much tempting the credit card offers are, you'll have to make a conscious decision before taking out a card. Credit cards have some associated expenses. You'll have to pay the monthly bills and interests. An additional credit card actually means that you'll incur extra expenses. Ask yourself if you can meet those extra expenses. If your monthly budget doesn't allow you spend an extra dime, then it's best to avoid taking out a new credit card.
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