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      <title>Credit Cards by </title>
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      <language>en-us</language>
      <pubDate>2020-07-28 00:51:08 UTC</pubDate>
      <lastBuildDate>2026-04-28 16:41:08 UTC</lastBuildDate>
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         <title>Credit Cards</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887246979</link>
         <description><![CDATA[<p>Does the bank replenish the full amount if your card gets stolen?</p><p><br/></p>]]></description>
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         <pubDate>2026-04-27 16:27:44 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887246979</guid>
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      <item>
         <title>They don&#39;t require a pin when you pay</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247155</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:27:55 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247155</guid>
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      <item>
         <title>They are good for building credit if you&#39;re good about paying them off</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247338</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:28:04 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247338</guid>
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         <title>I know they are a physical and digital way of payment where you are given money by the bank and then you pay them back for the amount of money of that that you spent. As well a lot of them have reward systems and deals.</title>
         <author>lrobinson28_1</author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247469</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:28:11 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247469</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247536</link>
         <description><![CDATA[<p>They have a score system that has a max score of 850 and it can determine what your spending limit is</p>]]></description>
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         <pubDate>2026-04-27 16:28:15 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247536</guid>
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      <item>
         <title>It is not your money, it ia the banks money.</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247627</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:28:19 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247627</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247868</link>
         <description><![CDATA[<p>You can go over the amount you have in your account (and be in credit card debt)</p><p>You pay back the amount you spent each month</p><p>There are ways to get money back from buying certain things with certain cards</p><p>many stores offer their own credit cards</p>]]></description>
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         <pubDate>2026-04-27 16:28:31 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887247868</guid>
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      <item>
         <title>When should you use a credit card? When should you use something else?</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248429</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:28:47 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248429</guid>
      </item>
      <item>
         <title>They are really easy to commit fraud with</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248625</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:28:52 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248625</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248838</link>
         <description><![CDATA[<p>Why would you get a credit card that a certain company offers (what are the benefits of doing that or is it a scam)</p>]]></description>
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         <pubDate>2026-04-27 16:29:04 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248838</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248993</link>
         <description><![CDATA[<p>It's a way to buy something when you don't have the funds in cash</p>]]></description>
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         <pubDate>2026-04-27 16:29:12 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887248993</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249176</link>
         <description><![CDATA[<p>What is the company with the best benefits</p>]]></description>
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         <pubDate>2026-04-27 16:29:22 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249176</guid>
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      <item>
         <title>i know that you can spend a certain amount of money in a month, and then they bill you at the end of the month.</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249545</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:29:42 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249545</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249580</link>
         <description><![CDATA[<p>How can some have better benefits than others and how is that profitable still</p>]]></description>
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         <pubDate>2026-04-27 16:29:43 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249580</guid>
      </item>
      <item>
         <title>which companies offer the best ones for younger people and how does your credit limit get set</title>
         <author>lrobinson28_1</author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249595</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:29:43 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249595</guid>
      </item>
      <item>
         <title>When should you use a credit card and when should use a debit card?</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249896</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:30:02 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887249896</guid>
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      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887250889</link>
         <description><![CDATA[<p>whats the worst that can happen if you dont pay it off</p>]]></description>
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         <pubDate>2026-04-27 16:30:55 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887250889</guid>
      </item>
      <item>
         <title>Can I spend 1000 in a month and pay it back on time and then get a 700 credit score and then stop using the card</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887251146</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:31:08 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887251146</guid>
      </item>
      <item>
         <title>what factors contribute to your maximum spending limit</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887251447</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:31:24 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887251447</guid>
      </item>
      <item>
         <title>What happens if you don&#39;t pay off your card and your credit score goes down? Can that be fixed?</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887252267</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-04-27 16:32:07 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887252267</guid>
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      <item>
         <title>What I Know:</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887252417</link>
         <description><![CDATA[<p>-physical versions can be made out of plastic, this has effects on people</p><p><br/></p>]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:32:16 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887252417</guid>
      </item>
      <item>
         <title>What I Need to Know:</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887253806</link>
         <description><![CDATA[<p>biological, chemical, and physiological effects of plastic cards on individuals</p>]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:33:25 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887253806</guid>
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      <item>
         <title>if u max out a whole bunch of credit cards and then you die does the debt dissapear?</title>
         <author></author>
         <link>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887257657</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2026-04-27 16:36:18 UTC</pubDate>
         <guid>https://padlet.com/swithers5/3sr9t76aq9xw6brp/wish/3887257657</guid>
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