Tip # 38 Take advantage of your credit card reward programs....
....BUT ONLY IF YOU DON'T CARRY A BALANCE AND PAY IN FULL EVERY MONTH! And whatever you do, do not sign up for a credit card just because of it's reward program. But if you already have a credit card that you use regularly (and pay off every month), by all means, look into their rewards program! If you're going to be using the card for everyday purchases anyways, you might as well get a little something extra from it!
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