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There’s no doubt that credit cards are an excellent way for new-to-credit consumers having no Equifax cibil score yet, to build a good credit score through disciplined credit repayment history. Along with instant access to credit, they also provide attractive reward points, cashback, discounts, etc., which helps to reduce the cost of the transaction. However, these very same features often lure many to spend beyond their repayment capacity. With credit…