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Using a credit card is the norm in our society. According to the compilation of data published on CreditCards.com, 7 out of 10 Americans have at least one card in their wallets. You cannot really blame consumers for wanting to use one. After all, it is very convenient to use it. You do not have to worry about counting change or having your cash stolen from you. There is a certain level of security when you are using this type of purchasing tool. When you lose your cash, it is very hard to get it back. When you lose your card, you only have to call the credit card company and they can freeze your credit so the person who got you card cannot use it. Of course, the dangers of using a card goes beyond theft. Most of the time, the problem lies in our own personal reaction to it. If you do not know how to use this purchasing tool properly, you might end up digging a debt pit that you cannot get out of. But beyond your payment behavior and smart purchasing choices, you need to realize that changing your credit card may be one of the things that you need to consider to improve your credit position. Sometimes, we have this attitude of not changing something that is not broken. It may not be entirely applicable to credit cards. Although your card may still be your favorite because it is an old card and you have maintained a great relationship with the credit card issuer, you may be missing out on great rewards just because you were too complacent with your choices. It is usually discouraged to close an old credit card but there are some benefits to opening a new one.