1) What is a credit card?

    A credit card is a plastic card that allows you to borrow money up to a predetermined limit to make purchases.

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 2) How does a credit card work?

     Credit cards allow you to make purchases on credit, and you are required to pay back the borrowed amount, usually on a monthly  basis.

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 3) What is a credit limit?

     A credit limit is the maximum amount you can borrow on your credit card. It is determined by the credit card issuer based on your creditworthiness.

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 4) How do I apply for a credit card?

     You can apply for a credit card online or at a bank, providing personal and financial information. Approval depends on your credit history and income.

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 5) What is an APR?

     APR (Annual Percentage Rate) is the cost of borrowing on the credit card, expressed as an annual interest rate.

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 6) What are the fees associated with credit cards?

     Common fees include annual fees, late payment fees, and cash advance fees. It's essential to be aware of these charges.

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 7) How can I build good credit with a credit card?

     Use your credit card responsibly by making on-time payments and keeping your credit utilization low to build a positive credit history.

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 8) What is credit card fraud, and how can I protect myself?

     Credit card fraud is unauthorized use of your card. Protect yourself by monitoring your statements, using secure websites, and reporting any suspicious activity.

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 9) What is a grace period?

     A grace period is the time between the end of a billing cycle and the due date, during which you can pay your balance without incurring interest.

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10) Can I improve my credit score with a credit card?

      Yes, responsible use of a credit card can positively impact your credit score by demonstrating your ability to manage credit responsibly.