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These are definately excellant points for the choice of cash over plastic,
however one point I would like to make for the argument of credit is insurance.
My attitude for using credit is this, don't use it if you can't pay if off at
the end of the month. If I have the cash to make the purchase, then I'll use
my card. I then am insured against theft or damage for 3 months. This was
especially useful when we bought a camera for my wife to take to Australia.
Of course not all cards offer this type of protection.
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