绝不要使用信用卡来获得信贷。唯一可以接受的信贷或债务是这样的债务：你可以通过借这笔债，获得交换价值极有可能增加的资产，比如房子。大部分东西的交换价值都会持续减少，或者在你购买的那一刻消失。不要通过借债来购买价值不断贬损的东西。

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