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There are even certain situations where a credit card is essential, like many car rental businesses an. With some accounts, it's possible to pay your bills. Using an online bill payment system can streamline this process to make it as painless as possible. Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Your phone bill arrives like clockwork each month, so you'll need to budget for this expense.

While this may eliminate a late payment, you may have to pay a balance transfer fee.

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