Consumer debt hasn't returned to 2019's levels but is showing strong signs of a comeback. NurPhoto via Getty Images US consumers are spending more and ramping up credit card balances, reversing a ...

Applying for a new credit card can affect your credit score by changing your credit utilization ratio, adding a new credit inquiry and adjusting your average account age. Credit card companies may ...

A credit card can be a powerful financial tool. “With responsible use, credit cards can help you build your credit, provide purchase protection, and allow you to earn benefits and rewards with your ...

Your credit utilization ratio is the amount of credit you've used compared with the amount you have available on your credit cards. If your credit utilization ratio exceeds 30%, it can hurt your ...

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