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<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"nextPageMobile":false,"nextPageNumberMobile":-1,"nextPageUrl":"/articles/topics/credit-card.8","prevPageNumber":6,"bottomArticles":[{"date":"Wed Oct 01 00:00:00 PDT 2025","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2025/08/250485_DA_LBA-BudgetIncome_SEOA_FINAL.jpg","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jim-holborow/jcr:content/data/master","previewDescription":"Having an irregular income can come with challenges. 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A woman’s hand is shown tapping her credit card at a terminal, which display a red X and the message “payment declined.” Perhaps this purchase would have caused her to go over her credit limit.

What Happens if You Go Over Your Credit Card Limit

Realizing you’ve spent more than your credit limit is stressful, so it’s good to understand how it happens and how to avoid it.

A large pair of scissors held by Cancelina the Credit Wrecker cuts up one of her credit cards because she doesn’t understand how closing a credit card can hurt her score.

Does Closing a Credit Card Hurt My Credit Score?

Your credit card is part of your financial ecosystem. Closing it can affect your score, so it’s important to understand the repercussions before you do.

A woman holds up several $100 bills in her right hand and a credit card in her left, with a indecisive expression. Perhaps she is currently deciding whether cash or card is better.

Credit vs. Cash: Which One Actually Helps You Save More?

Deciding between using cash or a credit card can be tough. Discover their pros & cons and which is better for your situation.

Golden coins are sorted into stacks of different heights, representing how income can differ from month to month for someone with an irregular income

How To Budget With Irregular Income

Having an irregular income can come with challenges. Luckily, these budgeting tips can help set you up for financial success.

A credit counselor meets with a young couple to discuss their finances and make a plan for debt management.

What Is Credit Counseling?

When you find yourself in debt, it’s easy to panic. Sometimes professional advice from a certified credit counselor can be the lifeline you need.

A man pays for his restaurant meal by tapping his phone to a handheld card terminal. Mobile wallet payments like this use credit card tokenization for security.

What Is Credit Card Tokenization?

Credit cards come with various security features, some more familiar than others. Learn what tokenization is and how it works to keep your data safe.

Page 7 of 34

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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