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You wrote, probably good idea to get rid of high intereste credit card debt, maybe i'll take your advice

It's not as simple as that. High interest rate credit cards are only a problem if you float a balance on them. Most store cards are high rate, but some offer an in-store benefit. If you can keep from carrying a balance, those can be beneficial - at least if you already shop at that store a lot. Same advice holds for any rewards cards actually.

So don't just paint all high rate cards the same... But if you have one, don't use it unless you can pay it off when the balance comes due. And consider ditching it if it offers you no other benefit.

- Joel
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