{"text_format":"3","workbook":"xlsb","n_sheets":3,"sheets":["Checklist","Info","Terms"],"not_rendered":{"images":1,"defined_names":2},"read":"bin_skipped_in_rows","date_system":"1900","formulas":"cached_only","passed_over":{"ids":[37,38,1024],"n":252}}

{"sheet":"Checklist","index":0,"n_rows":50,"n_cols":4,"rows_kept":50,"read":"bin_skipped_in_rows","flags":["formulas_cached_only","records_skipped"],"rows_in_doubt":{"n":0,"rows":[]},"rows_in_doubt_other":1}
["Credit Card Management Checklist"]
[]
[]
[null,"TASK TITLE","DESCRIPTION","STATUS"]
[1,"Know Your Card Terms","Read and understand your card’s terms, including interest rates, fees, and rewards.","Pending"]
[2,"Set a Spending Limit","Decide on a monthly spending limit that you can afford to pay off in full to avoid debt.","Deferred"]
[3,"Create a Budget","Make a budget that includes money for essential expenses, discretionary spending, and credit card payments.","Completed"]
[4,"Pay On Time","Always pay your credit card bill by the due date to avoid late fees and damage to your credit score.","Cancelled"]
[5,"Pay in Full","Aim to pay off your credit card balance in full each month to avoid interest charges.","Deferred"]
[6,"Track Your Spending","Monitor your credit card transactions to stay within your budget and avoid overspending.","Completed"]
[7,"Avoid Cash Advances","Don’t use your credit card for cash advances due to high fees and interest rates.","In Progress"]
[8,"Keep Credit Utilization Low","Use a small portion of your credit limit, ideally below 30%, to maintain a good credit score.","Pending"]
[9,"Review Statements Regularly","Check your credit card statements for mistakes, unauthorized charges, or unusual activity.","Deferred"]
[10,"Secure Your Card Information","Keep your credit card details safe and enable security features like two-factor authentication.","Deferred"]
[11,"Understand Rewards and Benefits","Learn about any rewards or benefits your card offers, such as cashback or travel rewards.","Completed"]
[12,"Keep Old Cards Open","Consider keeping old credit card accounts open to build a longer credit history, which helps your credit score.","Cancelled"]
[13,"Contact Your Issuer","Get in touch with your card issuer if you have any issues or questions about your account.","Completed"]
[14,"Check Your Credit Report","Regularly review your credit report to ensure there are no errors or fraudulent activities.","Completed"]
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{"sheet":"Info","index":1,"n_rows":9,"n_cols":3,"rows_kept":9,"flags":["formulas_cached_only"]}
["Info"]
[]
[null,"STATUS","DESCRIPTION"]
[null,"Not Started","This status indicates that the task has not been started yet."]
[null,"In Progress","This status indicates that work on the task is currently ongoing."]
[null,"Pending","This status indicates that the task is awaiting action or approval from someone else."]
[null,"Completed","This status indicates that the task has been successfully finished."]
[null,"Deferred","This status indicates that the task has been postponed or delayed for some reason."]
[null,"Cancelled","This status indicates that the task has been cancelled and will not be pursued further."]

{"sheet":"Terms","index":2,"n_rows":25,"n_cols":3,"rows_kept":25,"merged":[[1,1,1,19],[2,1,2,19],[4,2,4,18],[5,2,6,18],[7,2,7,18],[8,2,16,18],[18,2,18,18],[19,2,19,18],[20,2,21,18],[22,2,22,18],[23,2,23,18],[24,2,24,18]],"flags":["formulas_cached_only"]}
[]
[null,"TERMS OF USE"]
[null,"END USER LICENSES AGREEMENT"]
[]
[]
[null,null,"This End-User License Agreement (the \"Agreement\") is a legal contract between you (the \"User\") and Unleashed Excel (contact@unleashedexcel.com) governing the use of all Microsoft Excel templates, spreadsheets, and software created by Unleashed Excel."]
[]
[]
[null,null,"By downloading, copying, accessing, or otherwise using any of these templates, you agree to the following terms:\n\n* Prohibition of Transfer: You may NOT sell, resell, license, rent, lease, lend, or otherwise transfer these templates for value without the explicit written consent of Unleashed Excel.\n\n* Prohibition of Alteration: Unless you have acquired the appropriate license rights, you may NOT remove, modify, or obscure any Unleashed Excel logos, trademarks, copyrights, disclaimers, brand identifiers, terms of use, attributions, or other proprietary notices contained within the template.\n\n* Prohibition of Distribution: You may NOT distribute, publish, host, or make these templates available on any online gallery, website, or server accessible to the general public."]
{"$rows_empty":9}
[null,null,"Reservation of Rights\n"]
[]
[null,null,"All rights, titles, and copyrights in and to the templates, as well as any copies thereof, are owned exclusively by Unleashed Excel. Any use of the templates beyond the express permissions granted in this Agreement is prohibited and may result in legal actions, including severe civil and criminal penalties."]
[]
[]
[null,null,"CONTACT\n"]
[null,null,"For further information or to request specific permissions, please reach out to us at: contact@unleashedexcel.com"]