You’re not using your credit card right

2025/8/11 Edited to

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This slide advises smart girls to spend less than 30% of their total credit limit to improve their credit score, providing a calculation example. It also warns against spending more than available bank funds.
This slide recommends paying credit cards twice a month and always paying the full amount due, not just the minimum, to avoid interest. It emphasizes knowing when payments are made.
your guide to using credit cards 🫶
this is how smart girls use credit cards to their advantage 💸💸 #moneytip #creditscore #creditcards #finance #financialtips #financegirlie
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An image defining a credit score as a financial report card and outlining credit score ranges from Poor (300-579) to Excellent (800-850), set against a background of a wallet and credit cards.
An image listing the five key factors affecting a credit score: Payment History (35%), Credit Utilization (30%), Credit History Length (15%), Credit Mix (10%), and New Credit (10%), with a wallet and cards in the background.
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The image shows the title "How To Use Credit Cards" over a purse containing cash, a credit card, and lip gloss, introducing a guide on credit card usage.
The image illustrates the rule "Know Your Limits" with text advising to keep credit card balances below 30% of the limit to maintain a good credit score, shown over a wallet with cash and cards.
The image highlights the rule "Pay The Full Balance," explaining that paying the full statement balance monthly avoids interest and debt, preventing purchases from becoming more expensive.
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An empty room with light wood-look flooring, a window with blinds, and a glass-paned door. Overlay text on a torn paper graphic advises to "Get a Cosigner" for an apartment.
An empty apartment hallway or landing with light-colored walls and wood-look flooring. Overlay text on a torn paper graphic suggests to "Pay More Upfront" for an apartment.
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A desk setup with a computer displaying a heart, a lamp, and office supplies. The text overlay reads: 'How I Cleared $5,500 in Credit Card Debt with This Strategy Swipe !!'
Hands holding cash and a flat lay of a credit card, calculator, alarm clock, and a sticky note saying 'Debt Free'. The text describes 'STEP 1: STOP ADDING TO YOUR DEBT'.
A table detailing various debts including credit cards, car loan, student loan, and mortgage with amounts and interest rates. The text describes 'STEP 2: TACKLE HIGH-INTEREST DEBT'.
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The image features a white text box outlining the "Cons" of using credit cards, such as interest charges, debt traps, fees, and lack of transparency. A blurred living room and scenic view are in the background.
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A hand holds several credit cards, including an Apple Card, a Mastercard, and a gold card, with the text overlay "Credit Card programs & benefits" and "lemon8 @kailalynnxo".
A Capital One Quicksilver credit card is displayed, highlighting features like a $0 annual fee, unlimited 1.5% cash back, and a $50 bonus, with "lemon8 @kailalynnxo" at the bottom.
A Capital One Savor credit card is shown, detailing a $0 annual fee, 3% cash back on specific categories, 1% on others, and a $50 bonus, with "lemon8 @kailalynnxo" at the bottom.
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