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Almost 50% of Americans carry a balance on their credit card. Find out how that's just one scenario where your debit card ...

Credit cards are convenient and secure, they help build credit, they make budgeting easier, and they earn rewards. And no, you don't have to go into debt, and you don't have to pay interest.

You'll earn decent rewards, and free checked bags can add value — but the card is more expensive than its competitors and lacks some perks you'd expect to find at this level. Many or all of the ...