Taking out a credit card is a big commitment especially if you plan to use it on a regular basis. Having one and using it will require you to adhere to the terms and conditions that come attached to that card. This does not mean that credit cards are not recommended because they serve a very important purpose and role in your day to day financing needs. But you have to acknowledge the fact that you are signing to an agreement that is legally binding.
This identifies the importance of reading the small print and understanding the terms and conditions because failing to adhere to them could lead to fines and heavy penalties. The finer details will provide you with the charges you will have to pay if you miss a payment or fail to repay your debt. If you fail to understand the finer details, it could result in you being hit with high charges and penalties.
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