Nicole Lapin

When your limit goes up, but your balance stays the same,

your utilization drops, sometimes really dramatically, which can boost your score and open the door to lower rate balance transfer options, cheaper consolidation loans, or better negotiation leverage with your current issuer.

The key is treating that increased limit as invisible money.

You don't touch it.

You just use it to unlock cheaper borrowing and escape the interest trap faster.

This is how you use credit to fight credit, not to fuel it.

Support for the show comes from Public, the investing platform for those who take it seriously.

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Go to public.com slash money rehab and earn an uncapped 1% bonus when you transfer your portfolio.

I recently had Chris Appleton on my show, and of course, I had to check out his new audiobook, Your Roots Don't Define You.

He narrates it himself in his amazing accent, and it's just the perfect confidence boost.

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Hear the latest from bestselling authors Brene Brown and Jay Shetty, Master Nutrition with chef Jamie Oliver, hear nature sleep sounds from The Sleeping World, or get on top of your finances with Rachel Rogers.