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Learning how tomanage your credit responsiblyso you dont overspend takes time, experience, and discipline.

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But its easy to overspend when you use plastic.

It might be easier to earncredit card rewardsby charging big-ticket purchases and using cash for everyday spending.

Energy-Efficient Home Appliances

When your dishwasher or refrigerator breaks beyond repair, youll have to replace it.

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You might decide to replace all yourkitchen appliancesat the same time, so youll still have a matching set.

According to HomeGuide.com, the average appliance package costs between $2,100 and $5,400.

If you have a card that delivers 2% rewards, youll earn $42 to $108 back.

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4K Smart TV

Amazon currently offers 50-inch Samsung 4K Smart TVs for as low as $350.

However, if you want a larger or higher-quality model, youll still pay thousands.

Refundable Airline Tickets

It pays to book your next flight using a travelrewards credit card.

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Refundable Hotel Rooms

Similarly, it pays to book your hotel room with a rewards credit card.

If you use a debit card, that ties up your cash for more than a week.

Car Tires

Tires for your car are a big-ticket purchase that you may not think about.

In addition to saving money, why not earn cash back by using your rewards credit card?

The BJs One Mastercard from Capital One delivers 3% in BJs rewards on every purchase at the club.

Thats $30 you might use to spend on your next shopping trip if your tires cost $1,000.

Your credit utilization plays a big role in your credit score.

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