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Trust me,, Credit cards are "monsters"! I used to have credit cards and finally paid off the debt. I stop using credit cards for long time. It be less stressful to use credit cards. :- )
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GarnetTigerMom 
"The rain may be falling hard outside,
But your smile makes it all alright.
I'm so glad that you're my friend.
I know our friendship will never end."
-- Robert Alan
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