With a few clever tricks, however, you. Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. To revisit this article, visit my profile, thenview saved stories. You aren't borrowing money for the charges you make. Assuming you have something to spend them on, gift cards are as good as money.

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Charitable gift cards let that special someone choose a charity instead of, say, another sweater.

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