Consolidate store cards to simplify your wallet

Understand the trade-off between longer terms and lower payments

Leverage fintech tools for personalized credit offers

Use secured cards that upgrade to unsecured with good behavior

Review financial institution hardship programs post-pandemic

Check military-specific credit products for unique benefits

Negotiate for loan deferment in transition periods

Set up automatic alerts for approaching limits

Bundle loans for student debt refinancing

Find credit products designed for gig workers

Utilize alternative scoring models if you have thin files

Request credit counseling before debt spirals

Explore hybrid credit/debit products for budgeting

Use installment loans for planned, large expenses

Monitor your utilization monthly for optimal scoring

Use digital wallets that offer instant credit access

Ask about skip-a-payment features for short-term relief

Consider home equity loans for major needs

Choose cards with flexible redemption options

Use mobile apps for credit health tracking

Research community development financial institutions