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“There’s definitely a stickiness to keeping more dollars and more attention focused within the Apple ecosystem,” he said. “I certainly wouldn’t want anyone to overspend just to earn cash back.”But can I drop some financial wisdom on you? I’ve found, working with hundreds of consumers, that when we use credit — and I’m counting myself, too — we spend more than if we were limited to cash.
us to spend more. Even the most money-conscious consumers get caught in this credit card trap. It’s worse if you don’t pay off your charges every month. The average credit card rate is 20 percent right now.
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