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One exception is that you don't have to charge interest on loans under ,000, so if you pay the creditor less than this, you're probably in the clear.Additionally, if you pay ,000 or less, you won't have to worry about being repaid at all, because this amount falls within the annual exclusion for gift tax purposes.Finding the right credit card can be tricky, especially for those with limited options due to their lack of credit history.

Paying one credit card off for someone won’t make much of a difference, but it can add up if you exceed the annual exclusion regularly.

You simply need to know where to look and how to prepare in advance.

Your credit history is important because of the influence it can have on so many different areas of your life.

Opening your first credit card and using it wisely can be a great way to establish and build credit.

However, when you have little to no credit history to begin with, it can be challenging to find a lender who is willing to take a chance on you. You can typically find credit cards you can qualify for with limited credit history, or even no credit history at all.

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