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When you’re newly on your own, you need just about everything, and plastic can become a big temptation. But money missteps now could cost you for years.

Credit seems like one of those things that should develop slowly — the fine wine of your finances. The small actions you take every day would collect over time so that, in a few years, your high credit score would help you sail through that new car purchase, apartment lease or mortgage application.

That may be true for good credit habits. But money mistakes when you’re just starting out can trash your credit score, saddling you with bad credit and making goals harder to meet.

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