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2. How Credit Cards Affect Credit History

If you already have a credit card, then the way you use it is affecting your credit history. This section looks at the impact different credit card factors can have on your credit history through the following topics:

  • Credit card applications
  • Credit card payments
  • Credit card debt
  • Credit card defaults
  • Credit card fraud

By developing a better understanding of the ways different credit card choices affect your credit score, you will be able to see how and when using a credit card could affect your other financial goals.