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How can I use a credit card responsibly?

You’re right to be thinking about your credit score, even at this early stage.

First-time buyers need to demonstrate to mortgage lenders that they’re reliable borrowers, but that’s difficult if you’ve never had a borrowing history. Many young people (rightly) think that getting into debt unnecessarily is a bad idea, but there is no getting around our credit rating system, which acts as the gatekeeper to so many vital financial products, and how much lenders depend on it. There…

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