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But they are an increasingly important front for criminals, who in turn use increasingly sophisticated methods to snare their marks, and take them for whatever they can.

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If you don’t pay in full by that date, the balance carries over, and you are charged a hefty interest rate (the national average is over 16% APR right now). If you have a $500 balance and you pay the minimum due, it will take you 27 months to pay it off, and you will pay $153 in interest fees.

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