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How to Be Smart About Business Credit CardsHow to use credit cards to their fullest advantage--without getting buried in interest and debt

ByJ.D. Roth

Opinions expressed by Entrepreneur contributors are their own.

When people learn that I write about personal finance, they naturally assume I'm opposed to credit cards. That's not quite true. I'm opposed to credit card debt.

According to the Federal Reserve's most recent survey of consumer finances, roughly 46 percent of American families carry a credit card balance, and nearly one in four owe more than $3,000 on their plastic.

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