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How does Gen Z feel about credit cards? It’s complicated.

March 16, 2022

Margaret Sheils says she knows enough to know she needs a credit card, but the Gen Zer takes a cautious approach to using it.

“For me, that’s just always been a fear, of spending money I don’t have,” said Sheils, 24, who lives in Chicago. She tried using the trendy buy now-pay later option for a purchase once, but “I’d rather only buy something if I know I can afford it right now.”

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