About credit score

As a credit cardholder, knowing how credit cards work is crucial. Your credit score reflects the amount of credit you use, so the more credit you use, the higher your credit score will be. Using too much credit could ruin your score, which could continue to pile up if you fall behind on your monthly credit card bills.

Therefore, you should only use the credits as much as you can afford. Just because you can make transactions without paying immediately doesn't mean you can spend as much as you like. At the end of the month, you still need to pay eventually. For beginners, it's recommended to start small and perhaps consider using a dollar-cost averaging strategy.

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