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Dariansdaddy

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Will getting a credit card hurt or help raise my credit score?

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Hi

You will get an inquiry on your report when you apply for a card which will have a slight negative impact, but that is necessary to build/help your credit with a credit card. A credit card is a great tool to help your credit as long as you only utilize less than 30% of available credit and Never Never be late with a payment. It would be wise to use the card once a month for a small purchase and then pay it off after you get the bill each month.

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