Brendan is a personal finance journalist for Bankrate who writes informative and educational content about credit cards and building credit. He works on content specifically geared toward users with bad or fair credit, and about credit cards with low-interest or 0 percent APR offers.
Debt is an uncomfortable situation that nearly half of Americans experience, and I try very hard to avoid it. I never spend more than I can pay off in a single billing cycle, even if it means trimming my grocery haul or my Amazon cart. If I ever choose to borrow money that isn’t going to come in on my next paycheck, it’s probably not a wise financial decision. I want to give myself plenty of breathing room for emergency spending.
“"The road to excellent credit is paved with good credit habits."”
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