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Credit cards often have extended warranties in the US. Once two of our Android phones failed due to a defect a few months after warranty expired. I called up the credit card company and they returned the full amount for both phones with minimal fuss.

The % cash back we accumulate to buy fun stuff for the family. Like a new laptop or video game system.

Also we pay off our credit cards monthly so there is no debt buildup but the activity helps maintain a good credit score. Some people fall into the mindset that a credit card is an extra source of money.




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