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Among credit card owners, the average is 3.7 cards.For many people, credit cards have become a part of everyday life.Credit cards issued by stores don't even put that fine of a point on it.They issue small debt packages, say 0 per card, and are more concerned about getting a casual customer shifted over to a constant one - the interest payments on the card are icing on the cake.If you have taken a student loan, car loan, furniture loan, house loan, etc., these will also be part of your credit report.If you paid down these loans in timely fashion, this will count in your favor.Those without them, it would seem, are being left behind - but that isn't entirely true.

In this article, we will look at credit cards, their relationship to your credit rating, and what you can do about both.One minute you have your first credit card in your wallet - the one they weren't going to give you until your parents signed the paper too - and the next thing you know, you have a card for every store you've ever been to (plus three you've never heard of).The proliferation of credit cards may be one of the most successful PR campaigns in history.A stable income is also a key factor for deciding whether you qualify for a loan.You can have the best credit in the world, but without regular income, you're usually sunk.

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