Read the information about two competing credit cards. Credit Card 1 Credit Card 2 Interest rate 0% introductory rate, then 13.8% after one year 12.1% Annual fee None No annual fee in the first year, then $30 each year thereafter Credit Card 1 would be the better option if the borrower had major expenses in the first year. Spent a lot of money in the second year. Used the card regularly in the long term. Carried a large balance in the long term.
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