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Do you use credit cards? Almost everyone these days do. Using them can be really convenient, especially if youre not comfortable with carrying a lot of cash. The modern world can be quite dangerous and there are a lot of criminals out there who want easy money. Having a credit card can protect you from losing money through robberies and pickpockets. However, credit cards also have disadvantages. Credit card rates can change unpredictably and can cost you a lot of money, especially if youre not careful.