| you build credit by buying and paying back
you can't build credit having the card and not using it
the point is to prove you can borrow and pay back responsibly
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That's the whole trouble. You can't ever find a place that's nice and peaceful, because there isn't any. You may think there is, but once you get there, when you're not looking, somebody'll sneak up and write "Fuck you" right under your nose.” - J. D. Salinger
a spiritual being having a human experience | 
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