Almost half of Americans who have credit cards (47%) don’t pay off their balance in full each month, according to a new NerdWallet survey. And over the past five years, carrying a balance has gotten significantly more expensive, with the average credit card interest rate rising 35% since 2014, from 12.74% to 17.14%. Even with the … Continued

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Are student loans good debt that can open the door to a career or an insurmountable burden? Is all credit card debt a sign of reckless spending, or can it be a smart way to cover an expense? In general, no form of debt is inherently “good” or “bad.” What makes it good or bad … Continued

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Intuition and common sense can let you down big time if you use them to make credit decisions. Consumer credit expert John Ulzheimer says the secret is to understand the factors behind your credit score and use those to guide decisions. Here are five perfectly reasonable-sounding credit moves that can come back to bite you … Continued

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