If you have one credit card or even four or more credit cards, then you are not an outlier. In fact, according to creditcard.com, "multiple studies say about 7 in 10 Americans have at least one credit card". On the downside, over half of Americans who report to have at least one credit card also report having debt.
Because of this, it is no surprise that if you have a credit card or are considering getting a credit card, you might be concerned with how credit cards affect your credit score.
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