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4d • General discussion
December Check-In: Who’s Really Running the Card?
December is when credit cards get loud. Flights, gifts, parties, "just this once" swipes… next thing you know, January shows up with a bill and zero holiday spirit. So let's pause and ask the only question that matters: What is your credit card actually doing for YOU right now?
If it's not:
- Supporting a clear payoff plan
- Helping your credit score move forward
- Earning rewards you use (least important)
Then it's doing the opposite:
- Charging interest like a silent tax
- Stealing momentum from your goals
- Turning temporary joy into long-term stress
Here's the Credit Avenger mindset shift. A credit card is a tool, not a lifestyle. Tools follow instructions. They don't make decisions.
Action for this week: Before every swipe, ask: "Is this helping Future Me or haunting them?"
What's the question you ask yourself before swiping a credit card?
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December Check-In: Who’s Really Running the Card?
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For overwhelmed people in debt who want peace of mind, a clear path forward, and up to $6,000 less debt in 3 months.
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