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For the fifth time in a row, the Federal Reserve paused the federal funds rate at 5.25%-5.50% as Americans continue to wait for lower rates to cut costs on mortgages, credit cards and other loans.

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1. Pay credit card balances strategically. The portion of your credit limits you're using at any given time is called your credit utilization. A good guideline: Use less than 30% of your limit on ...

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