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I think most people use credit cards for convenience/points not because they're so broke they need to borrow money to buy a Big Mac.


Less than 50% of Americans always pay their full balance, around 33% usually or always carry a balance.

http://www.gallup.com/poll/168668/americans-rely-less-credit...


Most people use credit cards for cash flow management. They carry a balance, but make payments.




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