Credit cards offer conveniences that are hard to pass up — extra security, quick identification or a way to get cash. But do you really need one? The answer is a personal decision that depends on how you plan to use the card and whether you will use it wisely.Consider the pros and cons of making credit cards a part of your financial strategy. Your decision is a very personal one. You should look at the positive aspects of owning a card versus the possibility of overextending yourself and going into debt. Whatever decision you make, ensure that good money management and common sense prevail.
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