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I opened my first credit card in college because I had to. Not for points. Not for perks. Not to “build credit.” Medicine Gas. Books. It was survival. And somewhere along the way, my brain learned: Credit cards are here to save you when things get tight. So every time life felt heavy… I swiped. Not because I was irresponsible. Because I didn’t know another way. What I’ve learned in my 30s is this: Just because I learned to use credit cards in survival mode doesn’t mean I have to stay in survival
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