You're a recent college graduate, and unlike many of your classmates, you have no credit card debt. In fact, you scrupulously avoided using credit cards while in college. Now, it's time to face the stone-cold reality of the credit world: Because you haven't borrowed any money, you have no credit history. Which means you'll pay more for credit, if you can get it at all.
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[Source: Yahoo! News Search Results for credit cards]
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