💳 Credit Card: Smart or Risky?
Sort each credit card habit — Smart Move or Risky Move?
Habit 1 of 8
Score: 0
💡 The Golden Rules
- Pay in full every month — zero interest, builds credit, free rewards
- Keep utilization under 30% — ideally under 10% for the best score impact
- Never pay late — one missed payment can drop your score 60–100 points
- Minimum payments are a trap — a $1,000 balance at 24% APR can take years to clear
- Credit cards are a tool — used right, they build credit and earn rewards for free