- You avoid paying tons of extra fees and interest charges by not relying on plastic.
- You arrange repayment on your own terms.
- If you have to miss a payment due to unforeseen circumstances, your credit report won’t get dinged.
- Using BOY makes you more aware of your spending so you don’t caught up in mindless transactions that sap your cash.
- Using BOY means you won’t have to tap into your emergency fund, college fund, or retirement savings to finance your dream vacation.
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