Why You Might Decline a Credit Limit Increase A higher credit limit can seem like a win — better credit utilization, more flexibility, and a cushion for emergencies. But there are a few legitimate reasons to hit pause before saying yes to more credit: ⚠️ 1. You’re Worried About Overspending If having more available…

  When It’s Actually OK to Cancel a Credit Card You might’ve heard that closing a credit card is always bad for your credit score — and while it can affect your score, that doesn’t mean you should never do it. In fact, in certain situations, canceling a card is a reasonable and even smart…

  Should You Put Bills on a Credit Card? Here’s When It Makes Sense — and When It Doesn’t Using credit cards for everyday spending is a popular strategy — not just for the convenience, but for the rewards, added purchase protections, and ease of tracking where your money goes. But what about recurring bills…

  Why Using a Credit Card Only for Big Purchases Can Cost You Limiting your credit card use to large expenses might seem like a smart move — but it could actually be costing you valuable rewards and even leading to higher interest payments. Think about your monthly spending on everyday essentials — groceries, gas,…

  Start the Conversation: How to Ask for Credit Card Relief Credit card companies typically don’t advertise their hardship programs — not because they don’t exist, but because they prefer customers view them as a last resort. You might not find any mention of such support on the issuer’s website. That’s why it’s important to…

  Why Credit Cards Are Now the Go-To Payment Option Once upon a time, cash reigned supreme. People used it — or paper checks, which essentially served the same purpose — for most of their daily purchases. Credit cards were typically reserved for larger, occasional buys, and not everyone had one. Today, however, credit cards…