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Most people think they understand credit cards, but the truth is they can be tricky tools to master, especially for a newbie. When you're just starting out and trying to establish good credit, the key is to carry the card that best matches your spending style and habits. How many cards you have and how close you come to your credit limit matter too. Here are three common credit card myths and preconceptions that stand between you and a healthy credit score.

Take this quiz to find the right credit card for you