Jean Chatzky

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Pay them off to zero. Interest rates are way too high. The average credit card interest rate, I just looked this up yesterday, is 28%. insane. It's insane. You don't want to be paying interest on a credit card. So the way to do this is to understand that there are a couple of factors that go into your credit score and you need to simultaneously manage all of them.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.

Number one, you got to pay your bills on time. If you pay late, especially if you pay late more than once, that's really going to hurt your score. The second, and this is where you got in trouble, is credit utilization. That's the percentage of credit that you have available to you that you're actually using. We want to keep that number below 30% at all times.