09/23/2026
🚨 CREDIT TIP OF THE DAY!
Your credit limit is NOT a spending goal!
If you have a $1,000 limit, constantly reporting a $900 balance can mean high utilization.
💡 Focus on: ✔️ Keeping balances manageable ✔️ Paying on time ✔️ Paying balances down when possible ✔️ Avoiding maxed-out cards
Your credit cards should be a TOOL — not additional income.