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Credit is not only very useful but also necessary in modern life. Very few people can pay cash for a car let alone a house!
Credit can be very seductive, however, and be a source of trouble and despair. It is all too easy to use a credit car to buy too many meals at restaurants or too many clothes or electronics.
You might say that credit is like fire that both warms and burns or a sword that cuts both ways.
Manage your credit wisely. Pay your bills on time and don't over-extend yourself. Then you will continue to have a favorable credit rating and be able to obtain credit when you really need it.