If you've had your credit card for what seems like forever, you may be due for a major upgrade
3. You're carrying a balance without considering your interest rate
Instead of letting debt linger on a card with a high APR, consider transferring your balances to a 0% APR credit card. Some cards even waive balance transfer fees for a limited time., make a plan to pay your debt off so you can avoid a similar situation later on. Most importantly,4. Your card doesn't offer any consumer protections to speak of
If you still use the student credit card you received during your college years, you're probably missing out.can be easier to qualify for than traditional cards, but they also come with meager rewards, few consumer protections, and lower credit limits.
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