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.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Jul 2026 with 3.

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Networth and Chill with Your Rich BFF · The Costly Money Mistakes I Made in My 20s That Drained My Net Worth · 22 Jul 2026 podcast

I didn't open any new credit cards for a while. voice-verified

And in a few years, my credit history looked much more substantial again. voice-verified

So I was able to get those points back on my credit score. voice-verified

And that advice I got, it wasn't wrong necessarily. voice-verified

It was just very case dependent and a little misleading. voice-verified

Yes, it's good to keep your number of credit cards to a reasonable amount. voice-verified

Three to five is usually the rule of thumb for the average person. voice-verified

And in particular, not open a bunch of new ones all at once. voice-verified

As for closing a credit card, it'll pretty much always negatively affect your credit score because your available credit will drop. voice-verified

But closing a newer card won't drop you as many points because that's the only factor that's negative. voice-verified

Closing one of your oldest cards, though, will not only make your available credit less, but it'll also greatly shorten your credit history. voice-verified

A double whammy, a one-two punch. voice-verified

If you open a card you regret, particularly one with a high annual fee that doesn't feel worth it, do a product change instead of closing it. voice-verified

Call your bank. voice-verified

You can even sometimes just do this on their website and downgrade your card to a fee-free one. voice-verified

Or maybe upgrade your oldest card to a fee one that provides better perks. voice-verified

You can put one or two recurring charges on that old card, set it to auto pay, and you can basically forget that that mistake ever happened without it impacting your credit score. voice-verified

Up next, cheap now versus cheap long-term. voice-verified

Now, this one's a tough one, and I know a lot of us are guilty of it. voice-verified

I used to buy a bunch of cheapo stuff, fooled by the price tag into thinking I was saving money. voice-verified

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