Debt consolidation seems simple but often fails due to high interest rates, strict lending rules, and unchanged spending habits. Learn why it's hard to qualify, what really works, and how to break the cycle without falling for scams.
The 20% credit card rule helps you maintain a strong credit score by keeping your total credit utilization below 20%. Learn how to apply it, why it works better than the old 30% rule, and real ways to fix your utilization today.