Fact because that isn’t based on someone’s opinion
Answer:
It would help build your credit score.
Explanation:
Making small purchases and paying off your payments is one of the best way to build your credit score, especially at a young age. If you are at least 18, I would recommend getting a credit card so that when you get older, you will have a good credit score to get loans for a car or even a house.
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B. The punctuation belongs outside of the parenthetical citation.
