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You can build your credit without a credit card by paying your bills on time and making regular, on-time payments to any loans you've taken out. If you don't have any loans, you can apply for a ...

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Chris Gallant, CFA, is a senior manager of interest rate risk for ATB Financial with 10 years of experience in the financial markets. Marguerita is a Certified Financial Planner (CFP), Chartered ...

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