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NotStan said:
I should stop having a mobile phone contract, should not take out a mortage in the future or get a new car in credit, because that would be a bad deal too I guess..

1) Phone contracts don't raise the price of the service, just give you hardware discount. They are actually a good deal.

2) Mortgages and car loans are for things that cost multiples of thousands of dollars. Not a couple hundred. You can easily save a couple hundred dollars or use and pay off a credit card who's intest would cost less than the amout MS is increasing the cost of Live.

Man so many people have no concept of how to handle money/credit.