Rich people don’t avoid credit — they master it. Use credit to: • Preserve cash • Maximize points • Leverage 0% offers • Acquire assets Never fear limits — they optimize limits. Credit is power when used intentionally.

0% APR can help you — or bury you. It works only if you: • Move a balance • Stop using the card • Pay down aggressively The 0% period is temporary — your discipline isn’t. Use 0% to eliminate debt, not create new debt.

Card stacking isn’t about getting a bunch of cards — it’s about strategy. You stack based on: • Limit growth • Reward categories • Credit profile compatibility Only apply every 3–6 months. You don’t need ten cards — you need the right sequence.

Not all travel cards are good for beginners. Look for: • No or low annual fee • Strong point multipliers • Easy redemption • Solid sign-up bonuses Skip premium cards until your score and income justify them. The best travel card is the one you can actually manage.

Travel points aren’t magic — they’re math. Use cards with high reward multipliers. Pay your bills through the card. Always pay in full. Redeem points through travel portals or transfer partners. You’re already spending the money — you might as well earn from it.