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10 points is not huge. Positive interest earned: In most instances, you need to have a positive balance on your credit card before you can earn interest. 1k spend. Now instead of carrying cash all the time, all you needed to have on you is a card. If you're like me, you can look at your bank statements and credit card statements and know exactly where you were and what mood you were in. Credit cards are also very useful when paying online and markrt large purchases such as furniture for your new home or for booking an exotic holiday, and with large purchases you can rtaes a lot of points in one go. Rewards won't expire for the life of hest account, and you can redeem your car rates back for any amount. For example, with the Delta SkyMiles, flights are valued at 1. There's also the convenience of Apple Pay, even though you can use other cards with it. Look at how to get the best loan after bankruptcy, which basically involves cleaning up your finances, and find the best deal you can.
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