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Fortune
Fortune
Ivana Pino

4 tips to avoid maxing out your credit card

Photo illustration of a credit card being swiped in a reader and the screen reading "declined." (Credit: Photo illustration by Fortune; Original photo by Getty Images)

What’s even worse than the short-term embarrassment of having your credit card declined at the cash register? The long-term impact it can have on your financial health and borrowing power. 

If you often lean on your credit card to cover your total at checkout, it could be easy to overlook exactly how much you’re spending with each transaction and how it’s inflating your balance. Over time, you could end up blowing through your entire credit limit, which is bad news for your credit score. 

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