A Reddit user highlights the advantages of credit cards over debit cards, emphasizing that they can contribute to financial health when used responsibly. Credit cards enable users to build credit scores through timely payments and low balances. Special options like '0% Intro APR' can assist users in managing debt more effectively. The article argues that while credit cards can have a negative reputation due to mismanagement, they serve as valuable financial tools that provide protection, rewards, and opportunities for improving credit history.
Credit cards can help build credit and provide rewards for purchases, but their effectiveness depends on how well they are managed by the user.
Using a credit card with a '0% Intro APR' period may help users pay off debt faster, potentially saving them large amounts of money.
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