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Credit cards allow you to spend money you do not even have, making them one of the worst debt traps ever.
Spending watchdog said that the welfare reform is poor value for money and overambitious.
Here's a closer look at how Universal Credit will work, who it will affect and when it will be heading your way.
A new universal credit scheme has been launched in the North-West of England
Whitehall sources say that the scheme is deemed to pose a significant risk.
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