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When it comes to purchase protection, credit cards are much more powerful than debit cards. This power was endowed on them, by The Credit Card Accountability, Responsibility, and Disclosure Act, also known as the Credit Card Act of 2009. It places a maximum limit on overdraft fees, in addition to the following restriction: credit card users cannot be charged more than once within the same billing cycle for over-the-limit purchases.

The global economic crunch is drowning many people in debt, but you can avoid this snare by making good financial plans, follow a good budget, and learn how to save.