One of the biggest credit mistakes I still see people make. Closing old accounts too soon. I don’t get it. Even cards with annual fees can be powerful if you actually use them right. Take cards like American Express. People see the fee and panic. But here’s the truth. If the rewards, points, perks, and protections are worth more than the fee, that card is paying for itself. When you close a card, a few things happen fast. Your available credit drops. Your utilization goes up. Your average age of
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One of the biggest credit mistakes I still see people make. Closing old accounts too soon. I don’t get it. Even cards with annual fees can be powerful if you actually use them right. Take cards like American Express. People see the fee and panic. But here’s the truth. If the rewards, points, perks, and protections are worth more than the fee, that card is paying for itself. When you close a card, a few things happen fast. Your available credit drops. Your utilization goes up. Your average age of
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