Jean Chatzky

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

So if you have a heavy spending month, sometimes when I go on vacation, I have a heavy spending month that I spend more than 30% of my credit limit on a card. If you do that, the thing to do is just pay the bill now. Pay it twice a month rather than once a month to bring the utilization down. The problem that you got into by closing those credit cards is that you shrunk

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.

the pool of available credit that you had, and that hurt your score. The other thing that you did, another factor, it's not as big as the first two, but it's something called length of credit or credit history. The longer your credit relationships, the more beneficial it is to your score. When you close those cards, if they were the cards that you had had the longest, you hurt that factor too.