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Cash or Charge? The use of credit in the United States is widespread. Nevertheless, some people use credit cards and take out loans only in an emergency. Their philosophy is that if they do not have cash to pay for something, they should not take on a debt. Other people believe credit is necessary for everyday living.

Write About It What is your view on the issue of using credit? Do you plan to obtain a credit card? Would you prefer to pay cash? Write a short essay that explains the role of credit cards and loans in your philosophy of money management.

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