7 “Smart” Credit Card Tips That Aren’t

There’s a lot of advice floating around out there about how to manage your credit cards and other debts to maximize your credit score.

The trouble is, not all this wisdom is created equal, and some tips intended to help your credit can actually have the opposite effect.

Here are seven supposedly “smart” tips we’ve heard bandied about recently that generally ought to ignored.

Story by Martha White for Time.

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