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该书是《金家孩子学理财》系列丛书（共二十册）中的第十六册。本书既可以作为本系列的一部分来阅读，又可以独立成书。在本书里，金乐乐想借金小米的玩家。但金小米不同意。他们的妈妈以爸爸在用信用卡为晚餐付款为例子，解释了信用的概念给他们听。
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