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You must be an adult 18 years of age to apply for a credit card and not more than 70 years old. A credit card balance is the total amount of money you owe to the credit card company. It is mentioned in the credit card statement. You need to repay this amount on or before the due date to avoid any penalty. When you use a debit card, you withdraw money from continue reading bank account, as opposed to a credit card, where the issuer pays the amount on your behalf.

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