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The purchasing power of the U.S. dollar has diminished over time. If you wanted to purchase something for $1 a decade ago, you'd need $1.34 today to afford that same item. In short, today's dollar can.
Credit cards are, by nature, both an asset and a liability. On one hand, they enable you to build a credit score, nab rewards (ideally) and get fraud protection. On the other hand, they promote.