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A new credit card is a useful tool as you start the next phase of your life. As you graduate from high school and move on with your life, whether you go on to college or technical school, take a gap year , or get your first full-time job, your credit score will become more and more important. Many types of businesses, including banks and landlords, use your credit score to determine how they want to do business with you, if at all.
Having good credit will help you get lower interest rates and better loan terms whenever you need to borrow money. This is true for personal loans, business loans, auto loans and even home loans like mortgages and home equity loans. On the flip side, having bad credit will make the interest rates you are offered higher and may make some companies not want to offer you a loan at all.
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Unfortunately, it makes it somewhat tougher for high school graduates to build up good credit without assistance.
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