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<blockquote data-quote="TCRanch" data-source="post: 1670210" data-attributes="member: 24027"><p>Something else to consider with a credit card: many of them offer incentives. I use a credit card for most every purchase and get anywhere from 1% - 5% "bonus". When enough bonus points are accumulated, I have that amount applied back to the credit card. If you redeem your bonus points as gift certificates or actual cash back, it's considered income and must be reflected on your taxes. Instead, I average $1200 a year in "free" money. Never revolve your balance, pay on time and only have cards without an annual fee. And absolutely, it will increase your credit score. It's a win-win!</p></blockquote><p></p>
[QUOTE="TCRanch, post: 1670210, member: 24027"] Something else to consider with a credit card: many of them offer incentives. I use a credit card for most every purchase and get anywhere from 1% - 5% "bonus". When enough bonus points are accumulated, I have that amount applied back to the credit card. If you redeem your bonus points as gift certificates or actual cash back, it's considered income and must be reflected on your taxes. Instead, I average $1200 a year in "free" money. Never revolve your balance, pay on time and only have cards without an annual fee. And absolutely, it will increase your credit score. It's a win-win! [/QUOTE]
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