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    Hi Andrew,

    Wow!  Lots of great questions there!  NerdWallet has a ton of resources that pertain to everything you are asking.  I did a Google search of our content with a few qualifiers.  This link will take you to a Google page list of resources that address exactly what you are seeking:  Understanding Credit Cards and Credit Scores.  Here's another on improving your credit score: 15 Ways to Improve Your Credit Score.  Feel free to write us at if you need more information; we're always happy to help!

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