Buyer, beware! Before you apply for a credit card, use this tool wisely--or pay a hefty price.(smart choices)

Career World, a Weekly Reader publication | April 1, 2006| | Copyright

Wherever you look, MasterCard, Visa, American Express, and Discover logos invite you to shop with a credit card. TV commercials and the Internet show you how you can use a credit card to take a trip, get that new cell phone, download iTunes, or have dinner out after a movie at the mall with your buddies.

As a first-year college student at Norfolk State University in Virginia, Sanyika Calloway Boyce learned the hard way how easy it is to get into credit card debt. "Being one of seven children, money was always tight, and there was something sophisticated about other ...

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