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There’s no question that using a credit card to finance your purchases can be a convenient route to take. After all, all you have to do is swipe your card if you want to stretch out your payments and earn rewards while doing so. But while using a credit card may be a simple way to pay, it’s also one of the least affordable financing options to use, especially if you’re not paying off your balance in full each month. Doing that isn’t a feasible option for every cardholder, though — especially in today’s tough economic…