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I will use my Amex card and pay it off to start developing credit. I will be making smart purchases
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I will have more credit cards to use to develop more credit. I will pay off all my credit cards.
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I will be paying off house loans, car loans, and student loans, as well as using credit cards to develop a good credit history. I will be paying off loans in a timely fashion.
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I will still be doing the same stuff that I have done since I was 27. Now at this point, I will have been using the same credit card for longer which will benefit me and my credit score.