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The e-mails also could include links that, when clicked, lead to fake Websites that seize person identities and passwords. Criminals can entry these computers, install key-logging software and voila, your credit card numbers, passwords and PIN numbers are ripe for the choosing. Referred to as “on-line wallets,” PayPal or Google Checkout let you make payments or purchases on-line with out revealing bank card or checking account info. For instance, you will pay your Chase credit card on its corporate Web site, then navigate to Capital One’s Internet site to do the identical. Unlike a debit card, which automatically deducts transactions from your checking account, a credit card can result in unpaid balances and pending curiosity charges — until you are disciplined to pay the stability each month. And, with all these on-time payments, your credit report is bound to look higher and higher. It usually grows to about 7 to 10 inches (17 to 25 cm) in size and has a uniform brown or grayish-brown color, making it seem like a tiny twig or root within the forest floor.

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