Monica Vantilburg
speaker
1,410 appearances
4 recordings
1 series
first heard Jun 2026
last heard 22 Jul
Monica Vantilburg’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Jul 2026 with 3.
Appearances
Just start by not doing what I did.
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All right, let's dive right in.
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I opened my first credit card at the beginning of college.
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It served me well.
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I made my payments on time.
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Everything was going great.
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I started building up my wealth and opened a few elite cards to get into the serious points game.
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I was going to travel to Greece for free.
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With these fancy new perks, my entry-level card seemed like it had run its course.
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I wasn't paying anything for it and it was just sitting there.
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I had heard some advice that it was better to have fewer credit cards, not necessarily incorrect, and that you should close the ones that you're not using.
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Also, not always bad advice, but we'll get to that.
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I interpreted it to mean that this starter card wasn't useful to me anymore and I closed it.
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That was, unfortunately, my oldest line of credit, and my credit score abruptly dropped 60 points.
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What?
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I was still paying my bills on time?
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I wasn't wildly overspending, and my credit utilization rate hadn't really changed since the credit limit on that old card was only about $1,500.
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But when I closed that card, my credit history got cut in half from eight years to four.
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And that does not look cute on a credit report.
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The only solution to this was time.
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Showing 41–60 of 1,410 · page 3 of 71
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