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4. What is (are) the most important decision factor(s) in choosing a credit card for a credit user, a convenience user, and convenience and credit

4. What is (are) the most important decision factor(s) in choosing a credit card for a credit user, a convenience user, and convenience and credit user?

5. What is a credit (FICO or VantageScore) score? How does a credit score affect the availability and cost of credit?

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