How accessing credit cards can help the poor

02/11/2014 | New York Times (tiered subscription model), The

Building credit and using credit cards could be an essential component to helping many poor Americans. "More than 70 percent of Americans have a credit card, and very few of us buy a house or a car without borrowing some money," economics reporter Shaila Dewan writes. "Credit is so central to our lives that job applicants can expect to have theirs checked as a proxy for responsibility and trustworthiness."

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