Ng
 Are credit cards and car loans worth the cost? Using credit cards wisely can
 increase your credit score. And a higher credit score will help you arrange a
 lower interest rate on the next car loan. But, is all this work increasing credit
 scores and making regular credit card payments worth the cost?
 Building and improving your credit score will help keep costs low for a new car
 loan or a new house loan. But, what about paying cash for all your purchases?
 How about saving money and buying your car cash? People may be better off
 by SAVING money instead of BORROWING money through loans and credit