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Credit Card Trouble? Best Practices for Using Credit that Might Save You

According to a Credit Karma report, the average American has 2.5 credit cards. Some have two; for others, it’s three. Of course, outliers may have more or less.

The number is all over the place, which raises the question–how many credit cards should I have?

There’s no perfect answer like so many other things in life because personal finance is personal. However, you can use some essential criteria as a guide.

Best Practices for Your Credit


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Drink lots of Water

Use your budget to track credit card spending by category. Don’t spend more than you plan to pay back at the end of the month.

Use a budget.


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There’s no rule that you have to pay the balance on the due date. Instead, pay the money back to the credit card as you spend it.

Pay the monthly balance before the due date


Pay attention to your credit utilization and credit score with credit reporting agencies like Experian, Transunion, or Equifax.

Check your credit score regularly.

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