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Credit card debt can have a negative effect on your credit score if it’s not taken care of. Many people have debts that they’ve occurred from years ago due to relying more on credit cards then budgeting. One way to combat yourself into getting into credit card debt is to use debit cards. They were designed so that you can only use the money that you have on the card. You can also get yourself a secured credit, which works like a debit card and gives you credit. There are many options that you can go about in making sure that you don’t end up in debt.