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Those who have a business or even a credit card knows what a 3 Credit Score is.  This is important as this can give you your value in the virtual world.  Actually you can apply for a credit card via the credit score.  This credit score will give you your data on your credit history.  

Personally, I have stopped using my credit card.  I have not cut it into half because I know I might need it someday.  Although I do not use it now based on whims but on more important stuff.  But not to worry as I can still use it whenever I want to… and that would be during emergencies.