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Rocha says this is a very real problem, noting that people often really feel like they are losing out if they don’t use their credit cards to earn rewards.

Loss of Introductory APR: We may end your introductory APRs and apply the Penalty APR if you make a late payment. The computation dates will be December 1, March 1, June 1, and September 1 (or if such dates do not fall upon a business day, the first publication day thereafter).“You” and “your” mean the primary cardholder, any other cardholder(s) and any person who has been authorized by you to receive and use the card.People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.Valterra says that recording purchases doesn’t just help consumers keep tabs on where their money is going.“It balances out the brain,” she says, referring to the flood of brain chemicals that occur when we buy something pleasurable.

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