Be wise, don’t go spend crazy 😅💸

💳 Hey girl! Ready to master the art of credit cards? Here's a quick guide to using them wisely:

- Spend within Your Means: Only charge what you can afford to pay off in full each month.

- Pay on Time: Always pay at least the minimum amount due by the due date to avoid late fees and damage to your credit score. But do your best to pay off your entire statement balance in full!

- Keep Balances Low: Aim to keep your credit card balances low relative to your credit limit to maintain a healthy credit utilization ratio.

- Avoid Cash Advances: Steer clear of cash advances, as they often come with high fees and interest rates.

- Monitor Your Spending: Regularly review your credit card statements to track your spending and spot any unauthorized charges.

Mastering these tips will help you build credit responsibly and avoid debt pitfalls! 💟

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