The ability to use a credit card responsibility and live within your means will always fall on the individual. It is perfectly fine and even encouraged to have credit cards in order to build your credit and redeem them for points and rewards, but if you cannot properly manage one, then you might want to hold off. #credit #credittips #credithelp #creditcard #creditcardttips #daveramsey #finance #financialliteracy #debt #creditrepair #creditrepairservices #badcredit #goodcredit #travel #perks

How much of a revolving balance should you keep on your credit cards? Experian’s 2023 survey showed the average 800 credit score holder held anywhere from 1-5% revolving credit usage. This shows that there is no risk of carrying a lot of debt while also showing the credit is being actively used. #credit #creditcard #credittips #creditrepair #debt #creditcarddebt #financialfreedom #financialliteracy #creditrepairservices

The lack of financial eduaction in schools and universities has led many Americans to be unprepared when heading into the real world. #credit #credittips #finance #financialliteracy #financialeducation #creditrepair

Adding yourself as an authorized user has its pros and cons. Pros: it can give you a quick boost in credit score if added to the right one. Cons: banks can tell when you piggyback off someone else’s credit card, so don’t make it the majority of your credit report. #credit #credittips #credithelp #creditcard #creditrepair #creditrepairservice #financialliteracy #fixmycredit #creditrepairtips

The worst credit report I’ve ever seen… #credit #credittips #credithelp #creditrepait #badcredit #bankruptcy #creditscore #finance