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1st off, get yourself your own cell phone bill when you can. 2nd, limit yourself to 1 credit card...interest rate should be anything below 15% as credit cards are there, just in case...for financing 1 big purchase or emergency circumstances. Use it every once in awhile too keep a balance and pay it off. Watch yourself though, as a lot of young folks get screwed w/ multiple cards and never will be able to buy the big ticket items when the time comes, i.e homes or cars. Your credit is like your pride, safeguard it as it speaks a lot of yourself.
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