Is the sentence below grammatically correct or does it contain a comma splice? A credit card allows you to buy products on credit wherever that card is honored, you don't have to pay cash.

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Is the sentence below grammatically correct or does it contain a comma splice?
A credit card allows you to buy products on credit wherever that card is honored, you don’t have to pay cash.

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Secure Original On Schedule

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Is the sentence below grammatically correct or does it contain a comma splice? A credit card allows you to buy products on credit wherever that card is honored, you don’t have to pay cash.