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Credit cards are a form of lending.

The card limit that you get given when your application is successful is classed as ‘borrowing’.

If you spend on your credit card, try to make sure that you pay off any debt in full as soon as you receive your bill as this helps make your credit file stronger and also minimises any interest you may pay.

It will show you can borrow money, pay it back in time and stay within set limits.

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