The Archive
Tips, strategies, and insights on credit card churning, card retention, and protecting your credit score.
Ten cards? Twenty? There is no magic number. What matters is utilization, payment history, and keeping every account healthy. Here is how to think about portfolio size — and how to manage a big one safely.
An issuer closed your card without warning. Can you get it reopened? How bad is the damage? A practical recovery guide: what to do in the first week, and how to make sure it never happens again.
Closing a credit card — or letting one be closed — can hurt your credit score in ways you might not expect. Learn how open credit lines protect your score through utilization, credit age, and credit mix.
When a credit card is closed — whether by you or the issuer — the financial consequences go far beyond losing one account. Discover the true cost of card closures and how to avoid them.