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Credit cards
A credit card gives you a credit limit that you can use again and again. If you repay the full bill by the due date, many cards charge no interest; if you pay only the minimum amount, interest is charged on the remaining balance, and card rates are usually higher than those of ordinary loans. Cash withdrawals and annual fees add to the cost. This page lists the countries whose catalogue includes credit cards. A card suits everyday spending and short-term needs better than long-term borrowing.
