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Remember when using your credit cards to purchase only what you can afford to pay back. Your credit can be adversely affected by not being able to pay back debt owing on your credit cards. If you have missed payments you may want to check your credit report.

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Credit cards are great for emergency spending needs. This is a good reason to always keep some available balance on your credit card. Some credit card companies may allow you to extend your credit limit, but it may take some days to apply to your current credit limit.