While having a credit card is helpful, what most people do not kno is that if you have 500 on a credit card it means that you can only spend 250 because after you go over half the limit on your credit card your credit score begins to go down and not up. (Even if you do make your payments on time)
Your so right mrs. Josey I was told this once before at the bank & most dont tell u this right. Love your advice!
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