Using excessive amount of credit for making purchases has become the norm of the day. Credit these days is easily available with the profuse amount of credit cards available on demand. Every person has at least 3 or 4 credit cards. What happens as a result of this is that you use all of them, sometimes up to the credit limit in order to make purchases or live a lavish lifestyle. However, most often this lavish lifestyle is a condition of living that you cannot afford within your income; as a result
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