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As a consumer one must have complete understanding of what the credit card has to offer, weigh the pros and cons, look at annual fee charged, grace period, late payment fee, if the card has tie ups with other stores to enhance the usage of the card, any form of hidden charges, convenient repayment options, expiry date of the card and credit limit, these are a few additional facts that are not just good to know information but a need to know - before one decides to apply for a credit card.

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