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cover of episode Avoid debt with these credit card tips

Avoid debt with these credit card tips

2025/5/29
logo of podcast Life Kit: Money

Life Kit: Money
AI Deep Dive AI Chapters Transcript
People
J
John Kiernan
M
Marielle Segarra
Y
Yanely Espinal
Topics
Marielle Segarra: 即使不常使用信用卡，拥有一张也能提升信用评分。拥有一张信用良好的信用卡，每月都会向信用机构发送积极的信息，从而改善信用报告，提高信用评分，这有助于节省资金并为贷款打开大门。 Yanely Espinal: 信用评分就像财务报告卡，通过算法计算得出，评估是否按时支付账单、偿还债务等。信用评分范围从300到850，分数越高越好。拥有信用卡并按时付款可以提高信用评分，但需要定期使用以避免被关闭。 John Kiernan: 信用卡提供现金返还等福利，且欺诈保护优于其他支付方式。如果账户上出现无法识别的消费，可以向信用卡公司提出争议，无需支付相关费用。

Deep Dive

Chapters
This chapter explores the reasons behind having a credit card, even if you rarely use one. It emphasizes the importance of credit scores and how a credit card can positively impact it. The chapter also addresses the fear of overspending and highlights the benefits of having a good credit history.
  • Having a credit card and using it responsibly improves your credit score.
  • A good credit score saves money and opens doors for lending opportunities.
  • Credit scores are calculated using various factors including payment history and debt management.

Shownotes Transcript

Even if you use a credit card all the time, it can be difficult to understand the ins and outs of how they work. Whether you're a new credit card owner or just want to make sure you're getting the most out of your card, this episode will walk through the fundamentals of the credit card game. This episode originally published August 29, 2024.Learn more about sponsor message choices: podcastchoices.com/adchoices)NPR Privacy Policy)