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How to Get in the Points Game
"I would walk from Soho to 39th and 5th because I would wanted to save the $90, which it was at the time for the monthly subway pass," she says. "You cannot be in debt and accruing debt and come out ahead." If you are in debt, fret not, but put together a plan to neutralize that debt, get it to 0% APR, pay those balances down. Your credit score will immediately go up once your balances are down.