1. Wells Fargo Active Cash® Card: Unlimited 2% cash back on all purchases, no annual fee. 2. Chase Sapphire Preferred® Card: Excellent travel rewards, generous sign-up bonus, low annual fee. 3. Blue Cash Preferred® Card from AmEx: 6% cash back at U.S. supermarkets and 3% on transit, ideal for everyday spending. Choose based on your spending habits and goals!

LA Fitness Temecula Winchester is Arranging for a Member's Appreciation Day! Read the full article here: https://www.issuewire.com/la-fitness-temecula-winchester-is-arranging-for-a-members-appreciation-day-1818579280718485 #LAFitness #Temecula #Winchester #MembersAppreciationDay #FitnessCommunity #GymLife #Wellness #Health #FitnessMotivation

Tonight I’ll be done with all the courses so you guys can go through each course or select the ones that fit your current situation. Once you go through any course try to summarize it on our discussion board, it might help someone who might of not understood.

1. Don’t Miss Payments Late or missed payments can severely damage your credit score. Always pay at least the minimum due on time. 2. Don’t Max Out Your Credit Cards High credit utilization (over 30% of your limit) can hurt your score. Aim to keep balances low. 3. Don’t Apply for Too Much Credit at Once Multiple hard inquiries in a short period can signal risk to lenders and lower your score. 4. Don’t Close Old Credit Accounts Length of credit history is important. Keep older accounts open, even if you don’t use them often. 5. Don’t Ignore Your Credit Report Errors or fraudulent activity can go unnoticed. Regularly check your report to ensure accuracy. 6. Don’t Spend Beyond Your Means Overspending leads to high balances and difficulty paying off debt, which can negatively impact your score. 7. Don’t Co-Sign Without Careful Consideration Co-signing makes you responsible for someone else’s debt, which could harm your credit if they default. 8. Don’t Close a Card to “Fix” Credit Utilization Closing a card reduces your available credit, which can increase your utilization rate and lower your score. 9. Don’t Use Payday Loans or Predatory Lending These high-interest loans can trap you in debt and don’t typically help build credit. 10. Don’t Forget to Diversify Credit Types Having a mix of credit (like credit cards and installment loans) can strengthen your credit profile. Avoiding these common mistakes will help you build and maintain a strong credit foundation!

1. By the Due Date: Always pay at least the minimum to avoid late fees and penalties. 2. Before the Statement Closing Date: Pay early to reduce your reported balance and lower credit utilization. 3. Multiple Times a Month: Keep utilization low by making frequent payments if you use your card heavily. 4. In Full Each Month: Avoid interest by paying off your entire balance. Tips: Use autopay to ensure on-time payments and keep utilization below 30%, ideally under 10%.