Learn how credit affects your insurance premiums

Check peer-to-peer platforms for creative borrowing

Find auto loans with flexible payment schedules

Avoid closing old accounts unnecessarily

Compare debt consolidation options before committing

Consider point-of-sale financing for big purchases

Check free credit reports yearly to spot errors

Use prequalification tools to avoid hard inquiries

Research hardship deferments during income loss

Select student cards with low fees and educational tools

Build positive history with small, recurring purchases

Avoid payday lenders by planning for emergencies

Request credit line increases to lower utilization

Review hardship programs for payment flexibility

Use authorized user status to help family build credit

Pick cards that reward your everyday spending

Understand the difference between revolving and installment credit

Set up credit alerts to catch fraud early

Explore co-signer programs for challenging applications

Apply for credit cards with no annual fees

Consider personal lines of credit for flexible borrowing