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[29 Jul 2010 | No Comment | ]

I got my first credit card the summer before I went to university. The TD Emerald Visa. My reasoning behind choosing this annual fee credit card was that it had a lower interest rate on balances, which is something nice to have. In hindsight, it was a dumb choice. I have never been one to carry a balance on a credit card, and I find it hard to see myself ever doing that. In the end, I wasted the $25 on a credit card that I …