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1. Find the right card
There are many types of cards available travelling, shopping, dining, fuel etc. Take your pick.
2. Terms and conditions
They are boring but always read terms and conditions before taking a credit card.
3. Late payment
Understand what are the penalties for late payment and how can it be avoided.
4. Use wisely
Take credit card only if you are a disciplined buyer, they invite very high interest rates.
5. Understand the Fees
Understand the fees- Joining fees, Annual Fees and Renewal Fees.
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