Want to protect (and grow) your credit score? Here are 2 major factors that make a big impact 👇

 1. Payment history – NEVER miss a payment.

As soon as you open a credit card, set up automatic minimum payments so you don’t miss a deadline. One late payment can seriously IMPACT your credit score. Consistency is everything!

2. Debt utilization – How much of your available credit are you using?

Try to keep your balances low compared to your credit limit. High utilization can lower your score, even if you pay on time.

Smart habits = stronger credit = more buying power. 💳📈