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Having collections credit cards can help improve your credit score by showing a history of responsible borrowing and timely payments. Additionally, these cards often offer rewards and perks such as cash back, travel points, or discounts on purchases.
There are many benefits to having a cash back credit card because mainly, you get cash back through making purchases with your credit cards. The APR rates are about the same, but they are better to have than regular credit cards because they save you money and have low interest rates too.
Having the cards does not. Having large debts on them does.
Prepaid credit cards are better than standard credit cards in that you're less likely to get in over your head financially. Standard credit cards are one of the primary ways people build debt but with a prepaid card you can only spend what you already have.
Using credit cards for making purchases can offer benefits such as convenience, security, rewards, and the opportunity to build credit history.