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If you want to stand out from the crowd when using your credit card, there’s no easier way than pulling out unique and cool credit cards that fit your personality — or your alter ego.

Cool credit cards with interesting designs and features, and even made of tougher material, can add something fun to your wallet or purse. Many offer unique perks, rewards and low or $0 annual fees so that you can at least try out the cards for a year on the cheap.

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Death and taxes are forever, but debt isn’t.

It eventually expires, and there are some facts worth knowing about before worrying yourself to death about bill collectors and credit card companies seeking money from you until the end of time.

While delinquent consumer debt can seem like it’s something that’s going to follow you around for a lifetime if you have it, there are time limits to how long creditors can go after unpaid bills.

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Improving your credit score can seem like a maze of options that can take years to complete. But if you focus on a few that have the most impact on credit scores, you can see your score rise quicker. One topic you may hear about it “revolving utilization.”

After paying your bills on time, the second-best way to improve your credit score is to owe less money on credit cards and to use a low percentage of the credit available to you. This is called “revolving utilization,” and is also called “credit utilization ratio” and debt-to-limit ratio.”

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Most consumers know the basic facts about how their credit score works, but they’re not so savvy on important details that can cost them thousands of dollars, according to a recent national survey.

More than 80 percent of the people responding to the sixth annual credit survey by the Consumer Federation of America and VantageScore Solutions know the basic facts about credit scores, including:

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A credit report is something you want to be as accurate as possible. The information is sold to creditors, insurers, employers and other businesses to evaluate you for credit, insurance, employment or renting a home.

If your credit score or other information on a credit report is inaccurate or incomplete before you apply for a home loan, for example, then you may not qualify for that loan. Or you may be charged a higher interest rate for the loan.

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Gambling at a casino, getting married and buying a vacation timeshare and a new car sounds like a heck of a weekend in Las Vegas.

Those purchases are some of the dumbest uses for credit cards that we’ve come across when asking people what their worst credit card purchases are. Not all of those things were done by one person at one time, mind you, but by several people on separate occasions.

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First dates don’t always result in marriage, and the same is true with a home loan rejection.

Lenders have different requirements for home buyers and people looking to refinance a mortgage, which can make finding the perfect match difficult. Not every borrower is appropriate for every lender.

Borrowers don’t have to take “no” for an answer. They can apply with a different lender, improve their credit or do a number of other things to get over a home loan rejection.

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Millennials make more discretionary purchases and go out twice as often as other generations, but they’re not doing it with credit cards. Instead, they’re using cash, debit cards and checks, all while spending less money than older people, according to a recent survey.

These purchases by Millennials — a generation loosely defined as being born between the early 1980s to around 2000 — are less than what the average American consumer spends, according to TD Bank’s Consumer Spending Index, which was released in May.

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Getting married allows couples to make a lot of financial decisions together. From buying a car, house or simply deciding where to go out for dinner, spending money and making money decisions together is part of marriage.

Just getting married, however, doesn’t affect your individual credit score. Your credit score will be affected in some ways after marriage, which we’ll detail soon, but simply getting married doesn’t impact it.