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Credit-card use earns rewards, but it encourages extra spending too

For the 60 per cent of credit cardholders who can't pay off what they owe each month, a much smarter bet would be to seek out the card with the lowest possible interest rate.

New York

NINA Falcone has given up on cash. Whenever and wherever possible, even at the vending machines in her building in Chicago, the 25-year-old marketer uses her Southwest Airlines Rapid Rewards card to collect points she says she uses for plane tickets to visit her family in...

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