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Two things you never want to do when you’re out shopping. 1. Store specific credit cards. Most you can only use at that store and they lock your points to that stores ecosystem only. 2. Buy now, pay later services like Klarna and Affirm. These are mini loans at time of purchase. Both of these things can hurt your chances of getting approved and getting the best rate possible with other creditors down the road because they are linked to very poor credit performance. #financialliteracy #creditrepa
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