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We Really Need To Stop Using These 8 Health Buzzwords


We Really Need to Stop Using These 8 Health Buzzwords


We Really Need to Stop Using These 8 Health Buzzwords

Superfood. Detox. All-natural. These are some of the health buzzwords you come across on social media or while chatting with friends. They might seem like a harmless quirk of our vernacular, but the truth is they can be misleading and even harmful.

Many of these terms are marketing tactics with no science to back up their claims. Research has proven how easily people believe they're eating healthier because they follow buzzwords on food packaging ("fat-free" and "all-natural," for example). The terminology makes you think you're eating something that's better or safer for you without any actual evidence. 

Those ultra-common health buzzwords are just the tip of the iceberg. There are many others that are frequently used or misused. Keep reading to learn which ones you should drop for good.

Read more: 10 Popular Fitness Myths Debunked

Clean eating

The term "clean eating" is often used in reference to a diet that has minimally processed foods and instead focuses on foods closest to their natural state. It sounds harmless, because aren't we constantly being told to eat more fruits and vegetables?

The problem with this term is that it places foods in "good" and "bad" categories (after all, the opposite of clean is dirty) and indicates that there is a right and wrong way to eat. It also disregards those who don't have access to fresh fruits and vegetables because of where they live and their income level. 

Not to mention the vague term is completely made up since there isn't an actual scientific definition for clean eating. It can also lead to an obsession with healthy eating and put vulnerable populations (such as young adults) at risk for disordered eating. So let's reserve the term clean eating to refer to foods that have been thoroughly washed and cleaned before consumption. 

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Getty Images

Superfoods

Growing up in a Latinx household, I was exposed to traditional foods that I didn't think much of until I was older. I later learned that some foods I was eating, such as quinoa and chia seeds, were suddenly being labeled "superfoods." Superfood is another term that has no real scientific basis, but is used to describe foods that are thought to have powerful healing properties, like preventing disease or aging.

You may have seen this term splashed across magazine covers, health segments on TV or in your social media timelines. While these foods may provide some health benefits linked to their nutritional content, there isn't enough research to back the claim that a single food can perform miracles like curing someone's illness. 

Calling something the next "superfood" has become a popular marketing gimmick in a wellness industry that knows how to target people to make a quick buck. A better option is to make sure your diet includes a wide array of nutritional foods instead of focusing on the latest fad ingredient. 

Detox and cleanse

People usually turn to detoxes and cleanses for a quick weight loss fix under the guise of flushing so-called "toxins" out of the body. These can come in the form of detox teas, meal replacement shakes, green juice fasting and other methods that require you to eliminate large food groups and consume very few calories. They may not use the word "diet," but that's exactly what they are, and not a healthy or effective one either.

There is no scientific evidence to prove that cleanses and detoxes work. Instead they're an unsustainable (and even dangerous) method to lose weight or "reset" your body. Isabel Vasquez, a licensed dietitian and nutritionist at Nutritiously Yours and Your Latina Nutritionist, says that most of these cleanses may make you feel good initially, but the feeling is short-lived. "These are not sustainable and when we consume excess amounts of certain vitamins, we just excrete them in our urine," she explains. 

Instead of going on an extreme cleanse or diet, Vasquez suggests hydrating adequately and adding fruits and vegetables into your diet for digestion and your overall health. 

Your body also doesn't need a detox, because your kidneys, liver and other organs help with cleansing on a regular basis. But if you think your organs aren't doing their cleansing duties correctly, it's best to see a doctor who can run tests and give you a proper diagnosis. 

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Getty Images

Processed foods

Processed foods are products that have been changed (e.g. washed, cut, milled, frozen) or infused with additives to preserve freshness and improve taste. These foods can include a range of items you'd find in your local supermarket, such as cereal, canned beans, milk, fresh fruits and vegetables, olive oil and your favorite cookies. 

The issue with the term "processed foods" is that it's generally used as an umbrella term implying everything you eat that's processed is bad for you. Most people, when they think of processed foods, think about fast foods that are higher in calories, fat, sugar and additives. 

While it's true that these foods are processed and should be consumed mindfully, some foods need to be processed to preserve their freshness, boost their nutritional value and make them easily accessible. Some processed foods, like frozen fruit or oatmeal, are perfectly safe and healthy to eat in abundance. Being processed isn't inherently bad or good. Therefore you can ease your fears about processed foods and instead enjoy them all in a well-balanced diet. 

Cheat day or cheat meal

The terms "cheat day" or "cheat meal" basically mean you're planning on breaking your diet by eating a highly caloric meal or meals that you normally wouldn't have. They sound like harmless terms, but they can ultimately affect your relationship with food. Gabriela Barreto, a registered sports dietitian, says, "This can set people up for a binge-restricted cycle where they restrict certain foods to only be eaten at a certain time and in a large amount."

Even more concerning is if an individual already has a history of food addiction since it can exacerbate those issues for them. Barreto adds, "This kind of restriction we know doesn't work and by setting unhealthy relationships with foods we are more likely to weight cycle when we can no longer uphold those restrictions."

Instead she recommends eating a balanced diet that includes foods that you enjoy as well as foods that promote health without restriction, learning to listen to your body's needs intuitively, and working on your relationship with food.

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Peter Dazeley/Getty Images

'Good' and 'bad' foods

Putting foods into categories such as "good" or "bad" further contributes to diet culture and causes people to tie the way they eat to their self worth. These terms are also interchangeably used to describe an individual's eating behavior as being bad or good based on what they ate. "Assigning moral value to food only creates more guilt and shame around certain food choices," says Miriam Fried, a NYC-based personal trainer and founder of MF Strong. She elaborates, "Guilt leads to restriction and restriction often leads to unhealthy behaviors around eating and a negative relationship with food."

Although foods are made up of different caloric content, nutritional and flavor profiles, the body uses it all for energy. Some foods do have more nutritional value than others, but it doesn't mean you have to restrict yourself to just those foods. "Can we acknowledge that a piece of broccoli might have more nutrients than a cookie without making the cookie "bad"? Food isn't good or bad, it simply is," Fried points out. The more you understand that all of these foods can fit into your diet, the easier it will be to stop labeling them as good or bad. 

All-natural

When the term "all-natural" is used, it suggests that the food you're eating has been minimally processed and is therefore safer. The truth is this word doesn't determine if a food is safer for us to eat (as we saw above, processing can be a good thing). In fact, the US Food and Drug Administration doesn't even regulate this term. 

To date, the organization hasn't established a formal definition for all-natural or natural, though the basic understanding is that it means that nothing artificial or synthetic has been added to a food that normally would not be expected to be in that food, such as dye. The other issue with this term is that it doesn't account for the complex food production and manufacturing process. Importantly, "natural" doesn't equal "organic," which is a term regulated by the US Department of Agriculture. Foods with the USDA organic label must meet strict requirements surrounding the use of antibiotics, hormones, fertilizers and pesticides during the production process; natural foods do not.

According to the National Center for Complementary and Integrative Health, natural products aren't automatically better or safer for you. In some cases, such as in medicine, it might cause greater risk or side effects to take a natural, unregulated product than a federally regulated medication. Therefore, take this buzzword with a grain of salt or get rid of it altogether.   

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Luis Alvarez/Getty Images

Chemical-free

"Chemical-free" is a buzzword that's commonly tied to the saying, "If you can't pronounce it, don't eat it." When the average person uses it regarding food (or other items), they're saying that all chemicals are synonymous with being toxic and unsafe. This is easily debunked because a basic science lesson will teach you that everything that exists around you, including the foods you eat are made up of chemicals. 

That doesn't negate the fact that there are toxic chemicals that should be avoided, or that you might want to steer clear from out of caution, a food sensitivity or just personal preference. If you are concerned about ingesting pesticides, for example, you can stick to certified organic produce., But it's impossible to completely avoid chemicals in any food. Blueberries, for example, are made up of chemicals known as anthocyanins, chlorogenic acid, pterostilbene and flavonids.

Without context, these chemicals look like something the average person should fear. The truth is marketing plays a big role in fear-mongering when it comes to our food and it's helpful to have reputable resources at our fingertips to debunk these myths. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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Stop Rinsing Your Teeth With Water After Brushing. Here's Why


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Stop Rinsing Your Teeth With Water After Brushing. Here's Why


Stop Rinsing Your Teeth With Water After Brushing. Here's Why

This story is part of Home Tips, CNET's collection of practical advice for getting the most out of your home, inside and out.

You already know that brushing your teeth twice a day is considered the best dental hygiene practice. But did you know you should skip rinsing your mouth after? I used to rinse thoroughly after brushing my teeth to remove any remnants of toothpaste left in my mouth. But this method isn't the best and I only found out last year while scrolling through TikTok. 

Instead, I now spit out as much toothpaste as I can without swishing with water so I can allow the toothpaste to do its work just a little longer. However, I wasn't sure why I was doing this -- or what the benefits were -- until I spoke with an expert.

I talked to Dr. Edmond Hewlett, consumer advisor for the American Dental Association and professor at UCLA School of Dentistry, to find out why you shouldn't rinse your mouth with water after brushing your teeth. Here's the answer.

See also: Best Electric Toothbrush for 2022

Why it's important to skip rinsing with water after brushing your teeth

Fluoride is an important ingredient in toothpaste that helps make the enamel harder and more resistant to acids that cause cavities. Hewlett says it's the most well-established effective ingredient in toothpaste, so make sure yours has fluoride in it. 

When you brush your teeth, you're cleaning any film and bacteria from food and sugary drinks. When you go a step further and skip rinsing, you're leaving the fluoride from the toothpaste in your mouth for a longer time, giving you a better effect from the fluoride.

Wait at least 15 minutes after brushing to drink water. After brushing your teeth, Hewlett explains, your saliva will clear the toothpaste out so you won't taste it all day. 

What if you've been rinsing all your life? 

If you're just finding out about this tip, you may be thinking you've been undoing all your hard work of brushing every day. But that's not true. Hewlett says as long as you brush the standard two times a day for two minutes each time, the fluoride will remain in your mouth to help protect your teeth. 

You're still doing what you need to do to have good oral health to protect your teeth. The idea of not rinsing is just an extra step to help the fluoride be even more effective.

"When you measure a person's fluoride levels in saliva, if they don't rinse, there's more fluoride," Hewlett said. But it's not going to be a waste of your time if you do rinse. He said research is still being done to determine the difference it makes in the long term to prevent cavities. 

whitening toothpaste

Check that your toothpaste contains fluoride.

Sarah Mitroff/CNET

Your specific dental health also plays a role

There are different risk levels for getting cavities per person, Hewlett said. 

"If you typically don't get cavities, then you should continue using fluoride toothpaste. The decision to rinse or not to rinse after brushing probably won't make a difference."

On the other hand, for those who struggle with cavities, not rinsing is probably a better decision. Additionally, you should get help from your dentist to find out why you're getting cavities regularly -- for instance, it could be your eating habits, snacking on sugary foods or not brushing your teeth regularly. If you're at higher risk for cavities, you should do everything you can to help prevent them. 

Is it OK to use mouthwash to rinse your teeth after brushing?

It's OK as long as you use a mouthwash that also contains fluoride so you can still get the same effect. Otherwise, without fluoride, it's similar to rinsing with water.

More teeth brushing tips

Here are some additional tips for keeping your oral health up to par.

  • Always use a soft bristle toothbrush, and never medium or hard. Hewlett says anything but soft can increase the risk of gum recession. 
  • It doesn't matter if you floss before or after you brush your teeth, as long as you floss once a day to remove plaque and stuck food. 
  • You don't have to aggressively brush your teeth to get them clean. While scrubbing your dishes with extra force may make them extra clean, it's not necessary for your teeth and can also lead to gum recession.
  • Gently brush along the gum line with a soft bristle brush to help prevent gum disease.
  • Always consult with your dentist for personalized advice. They understand what your oral health profile looks like. 

For more, here's the best time to brush your teeth in the morning.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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Sugar Cravings During Pregnancy: How Much Sugar Is Too Much?


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Sugar cravings during pregnancy: How much sugar is too much?


Sugar cravings during pregnancy: How much sugar is too much?

In large amounts, sugar isn't good for you -- and that may be especially true when you're pregnant. 

What you eat during pregnancy fuels not only your body's arduous journey in growing a whole new human -- it can also set the stage for your child's health once they leave the womb. Too much sugar can affect a growing fetus and influence childbirth and beyond, especially if you're one of the many people diagnosed with gestational diabetes.

But before we get into the nitty-gritty of sugar, Dr. Gloria Bachmann, an OB-GYN and director of the Women's Health Institute at Rutgers University, says it's important to think about your general diet and overall health in pregnancy -- ideally before you're pregnant in the first place. Bachmann says that when you're contemplating pregnancy is the time to make sure you're eating the most nutritious diet you can, and that you're in the healthiest shape you can be in. 

"There are so many various diets available," Bachmann says. "And I think the one that's most important is the one that's well balanced." Eating enough protein, fats and carbohydrates is important, but part of a well-rounded diet is limiting sugar intake.

So, what are the sugar rules in pregnancy? Read on for advice on how excessive sugar intake can affect your pregnancy and how to satisfy your sweet tooth while you're expecting. 

Read more: Foods to avoid during pregnancy

How much sugar can I have?

Bachmann advises pregnant patients to keep their free sugar intake under 30 grams (a little over 7 teaspoons). Free sugar is added sugar, which includes the sweetness in fruit juices, desserts and other foods. Sugar that comes naturally in foods, including sugar in the cells of fruits and vegetables, doesn't count toward your intake because this type of sugar doesn't have a negative impact on health, according to the British Heart Foundation.

For scale, a packet of sugar you'd put in your coffee is typically 4 grams of free sugar. A pint of Ben & Jerry's "Cannoli" ice cream has 30 grams of sugar, or your total daily amount of free sugar. That's why it's especially important to make healthy swaps of your favorite foods -- say, a juicy orange for dessert instead of a cookie.

This is a general example of how much a person should eat in pregnancy, but your own limit may depend on other factors, including whether you've been diagnosed with gestational diabetes.

Read more: Why you feel bad after you eat sugar

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Cristina Pedrazzini/Science Photo Library/Getty Images

What is gestational diabetes?

Gestational diabetes occurs in about 2 to 10% of pregnancies, and it's diagnosed only in people who are "gestating" (aka pregnant). It happens when your body can't make enough insulin during pregnancy, according to the Centers for Disease Control and Prevention. There usually aren't symptoms of gestational diabetes, and you'll need to be tested to see if you have it. It typically develops between the 24th and 28th weeks of pregnancy, Healthline reported.

Blood sugar levels usually return to normal after a person's baby is born, per the CDC, but about 50% of people who have gestational diabetes will go on to develop type 2 diabetes. Gestational diabetes also puts the pregnant person's child at increased risk of developing type 2 diabetes later in their own life and of being born early, which can lead to breathing difficulties according to the Mayo Clinic.

The high blood sugar levels that a pregnant person shares with the fetus can also cause the baby to get too big, Bachmann says, which can complicate pregnancy.

"The other problem with increased weight is that a vaginal birth may not be possible because the baby will be too big to get through the birth canal," Bachmann says, which will then make a C-section necessary.

Making sure you're healthy before getting pregnant can reduce your risk of gestational diabetes, as a lack of physical activity can increase your risk of developing it. People in larger bodies, people with Polycystic Ovary Syndrome, as well as Black, Hispanic, Native American and Asian American people are also at greater risk of gestational diabetes.

If you develop it, gestational diabetes can be managed by keeping your blood sugar levels low by following a low-sugar diet or meal plan prepared by your doctor or dietician. If eating healthy and staying active isn't enough, your doctor may prescribe insulin or other medication, per the CDC. 

Can I have more sugar in the third trimester vs. the second, or vice versa? 

Nope, Bachmann says -- you should monitor and limit your sugar intake throughout your pregnancy, no matter which of the three trimesters you're in. 

Read more: Pregnancy timeline: What happens each month and trimester 

What about fake sugar? 

Bachmann says some artificial sweeteners are OK in moderation, including sucralose (Splenda) and aspartame. (People who have the hereditary disease phenylketonuria or PKU should avoid aspartame, because their bodies can't break down aspartame, according to Johns Hopkins Medicine.) However, people who're pregnant should avoid saccharin, Bachmann says, which can cross the placenta and stay in fetal tissue. Many different foods can contain saccharin, including diet sodas, chewing gum, canned fruit, baked goods, vitamins and more, according to the American Academy of Family Physicians. 

Similar to sugar, the "moderation" element may be key in artificial sweeteners. While many health experts seem to agree that most sweeteners are fine for most people when consumed sparingly, one study links low-calorie sweeteners to childhood obesity. If you're trying to cut back on sugar and find yourself turning to artificial sweeteners, talk to your doctor about when to replace the real stuff with artificial or low-calorie sweeteners.

Just like you, every pregnancy is unique. And once you become pregnant, it's an unreasonable ask to expect change overnight. This may be complicated further if you experience nausea or vomiting as a symptom of pregnancy. In terms of diet when you're trying not to throw up, Bachmann says to work with yourself, but that it's important you continue to eat things that include protein, fiber, calcium, carbohydrates and other fuel your body needs.

"It's always easier said than done -- if you have really severe nausea and vomiting in pregnancy, you really have to modify and see what you can tolerate," Bachmann says. "Try to stick to as healthy a diet as possible." 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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The Worst Credit Card Mistakes You Should Stop Making


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The Worst Credit Card Mistakes You Should Stop Making


The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

credit cards on top of cash

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance Annual percentage rate Monthly payment Time needed to pay balance Additional interest paid
$2,000 14.55% $50 4.7 years $753
$2,000 14.55% $180 1 year $161
$2,000 25% $50 7.3 years $2,344
$2,000 25% $180 1.1 years $281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

three debit cards in a disheveled stack

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

apple credit card on iPhone and four physical credit cards

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.


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What States Can And Can't Do When Banning Abortion


What States Can and Can't Do When Banning Abortion


What States Can and Can't Do When Banning Abortion

For more information about your reproductive health rights and related federal resources, you can visit the US government's

Reproductive Rights

site.

Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.

In this still developing landscape, how confident can people be that their treatment is still legal?

"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."

The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic." 

On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.

Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.

Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law? 

"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said. 

The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.

Boxes of mifepristone and a bottle of misoprostol tablets sit on a table

Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.

Robyn Beck/Getty Images

Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to  navigate around new state laws.

Here's what we know today.

Can states ban abortion pills? Not completely, but some are trying. 

Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.  

"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.

But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).

Pill packet on a yellow envelope marked
Peter Dazeley/Getty Images

The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.) 

Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."

"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.

Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.   

But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.

Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps  

A woman holds her abdomen in pain

Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more. 

Svetlana Gustova/Getty Images

Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.  

Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently. 

This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed. 

"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal. 

The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.

But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line. 

"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."

The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason. 

Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.

Activists on both sides of the abortion issue protest outside the US Supreme Court in 2020
Saul Loeb/AFP/Getty Images

States are not prosecuting people who have abortions (yet)

Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant. 

But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.

"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."

Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care. 

That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them. 

So will doctors report you if they suspect you had an abortion? 

"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might." 

An illustration of a woman's body surrounded by medical equipment

Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.

Carol Yepes/Getty Images

Birth control is still protected under the Affordable Care Act

Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.) 

Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them. 

Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient. 

The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.

Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.

Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?   

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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The Worst Credit Card Mistakes You Should Stop Making


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The Worst Credit Card Mistakes You Should Stop Making


The Worst Credit Card Mistakes You Should Stop Making

There are several important benefits of using a credit card to shop. You can earn rewards, build your credit and take advantage of travel points and perks. But while shopping with a credit card can be convenient, there are also certain risks you need to be aware of.

If you pay a card late or don't pay your balance in full, you can incur fees and extra interest charges that make your purchases more expensive in the long run, especially considering today's rising interest rates, fueled by skyrocketing inflation. You could also wind up jeopardizing your credit score, which could make it harder to buy a house or get a loan.

So what are the biggest mistakes well-meaning people commonly make with their credit cards -- and what can you do to avoid financial pitfalls? I spoke with experts for their suggestions, and identified some of the most dangerous credit card behaviors. For more, learn how to get out of credit card debt and why now is the right time to pay off your credit cards.

Paying your credit card bill late

Missing a payment or making a late payment on a credit card is a major no-no. Colleen McCreary, a consumer financial advocate at Credit Karma, says this is the most common mistake people make with credit cards. Your payment history is a major factor of your credit rating and accounts for more than 30% of your overall score, McCreary said in an email.

A late payment is a one-way ticket to ruining your credit, and the ding on your report won't go away for seven years. Even worse, if your credit card bill remains unpaid, your creditor could sell your debt to a collection agency, which could tank your credit rating.

The best way to avoid late fees is to set a monthly reminder to pay your bill, and at least make the minimum payment. Most credit card companies will also let you set up monthly auto-payments, so you won't skip a beat. If you're worried you may not have enough each month to cover an autopayment, remember you can always set it to pay out the minimum, the full balance or a specified amount.

The credit bureau Experian notes that some credit card issuers may provide a short grace period for late payments, while others will mark your payment late as soon as you miss your due date.

If you do pay your credit card bill on time regularly and accidentally miss one payment, call your bank as soon as possible to see if it will offer one-time forgiveness, provided you pay in full at the time of your call. Your bank might refund your late fee and interest, but it isn't required to do anything.

While some credit card companies may mark your payment late after one day, those late payments are not reported to credit bureaus for 30 days, according to credit reporting company Equifax, If you act quickly to change your issuer's decision to mark your payment late, you could avoid damaging your credit score. If you're unable to pay your bill, you can also ask your issuer if it can create a payment plan for you.

credit cards on top of cash

Stop paying your credit card bill late

Sarah Tew/CNET

Maxing out your credit cards

After payment history, the second biggest factor in determining your credit score is the percentage of available credit that you are currently using. Called the "credit utilization ratio," this factor is calculated by dividing the amount you currently owe by your total credit limit, or your maximum borrowing potential.

Maintaining a high balance on your credit card compared to your total credit limit will increase your total percentage of credit used and hurt your credit score.

You usually want to keep your credit utilization ratio under 30% for a good credit score, though less is better. A good rule of thumb is to use 10% of your total credit limit and pay it off each month so you're not carrying a balance. For example, if your credit limit is $5,000, you wouldn't want to borrow more than $1,500 and ideally $500 or less.

If you find your credit card limit is too low -- for example, the amount you want to charge to your card exceeds the total you can charge on a given card -- you can always ask your credit card issuer for an increase.

Maxing out credit cards could also cost you big money if you can't pay off the total by the payment deadline. "The higher your outstanding balance (the amount of money you owe), the more interest you'll pay, which can make it even more difficult to climb out of debt," McCreary said.

Making only the minimum payment on your credit card

Your minimum payment is the lowest amount that your credit card issuer will allow you to pay toward your credit card bill for any given month -- for example, $50. The minimum monthly payment is determined by the balance on your credit card (what you owe at the end of the pay period) and your interest rate. It's generally calculated as either 2 to 4% of your balance, a flat fee or the higher amount between the two. 

Making only minimum payments is one of the most common credit card mistakes, according to Katie Bossler, a quality assurance specialist at GreenPath financial wellness. 

Although making minimum payments on time is still far better than paying late or ignoring your bill, paying only the minimum can cause interest to build, making it much more difficult to pay off your balance completely.

For example, if you have a $2,000 balance with a minimum payment of $50 on a credit card with an APR (annual percentage rate) of 14.55%, it will take 56 months (or almost five years) to pay off your debt, and you'll end up paying a total of $753 in interest. However, if you make a plan to pay the balance off in a year, your payments would be $180, and you'd only pay $161 in interest.

It only gets worse as the APR goes up -- at a relatively high but not unreasonable rate of 25%, a minimum payment of $50 would take 87 months (or a little more than seven years) to pay off a $2,000 debt, with a sizable $2,344 in interest payments. Meanwhile, upping the monthly payments to the same $180 would pay off your debt in 13 months, and cost only $281 in interest.

Here's an example of how making more than minimum payments can save you significant money in interest. 

How minimum payments lead to higher interest

Credit card balance Annual percentage rate Monthly payment Time needed to pay balance Additional interest paid
$2,000 14.55% $50 4.7 years $753
$2,000 14.55% $180 1 year $161
$2,000 25% $50 7.3 years $2,344
$2,000 25% $180 1.1 years $281

The best way to avoid paying any interest at all on your credit cards is to pay off your full balance each month. If you can't do that, Bossler, the quality expert from GreenPath financial advisors, suggests pausing use of the credit card while you're paying it off, and paying more than the minimum to do so.

Taking out a cash advance on your credit card

Withdrawing a cash advance with a credit card is a big mistake. "It's the most expensive way to pay for things," Bossler said. Cash advances are a method of borrowing money from your credit line to put cash in your pocket "now."

Convenient as it may be, a cash advance uses an interest rate that is typically significantly higher than your standard APR. Most cards will also include a transaction fee of 3 to 5%. "This is not the way to go," Bossler said.

If you receive a "convenience check" in the mail from a credit card company, be careful. It could be a cash advance offer that's best tossed in the recycle bin. If you need some extra cash, it might be better to think about starting a side hustle or taking out a personal loan with a lower interest rate. Budgeting apps can also help track your spending, so you can pull back on expenses that can wait.

Chasing credit card rewards with abandon

If you're thinking of opening a new credit card account to get money back on your purchases, you can best manage rewards by considering your lifestyle. Heavy travelers should look for a card with frequent flyer rewards. If you spend a lot of money on groceries or drive your car often, look for cash back rewards for spending at gas stations and grocery stores

However, you shouldn't make spending decisions based on receiving rewards. "Credit cards shouldn't be used as a strategy for buying things," Bossler said. Many cards will require a minimum amount of purchases for special rewards, or a welcome bonus to tempt you into spending more than you can afford.

Credit cards with lucrative rewards can also charge higher annual fees, for example, $100 or even $500 a year. If you're not spending enough to earn that annual cost back in rewards, you might consider a card with no annual fee.

Credit card rewards can be a powerful financial tool when used wisely, but you'll need to be careful to avoid running up your balance. Thomas Nitzsche, senior director of Media and Brand at MMI, says he often sees people making the mistake of using credit cards for rewards while ignoring the growing interest on their balance. If you're chasing rewards at the expense of your budget, consider coming up with a plan to pay your balance down instead. 

three debit cards in a disheveled stack

Your credit score can drop when you cancel your credit cards.

Sarah Tew/CNET

Not paying off big purchases during a 0% APR period

Whether you just opened a 0% APR credit card -- which offers interest-free debt for a specific promotional period -- or a balance transfer card -- a credit card designed to accept debt from other cards -- make sure you read the fine print. Oftentimes, there's a fee to transfer your existing balance, commonly 3% of the balances transferred. Also, the introductory 0% rate only lasts for so long, typically between six and 18 months. That means you've got a limited time to pay off your balance before a higher APR kicks in. (When it does, your monthly interest gets a lot more expensive.)

To create a simple repayment plan, take the amount you owe and divide it by the number of months in your 0% APR promo period. Then pay that amount monthly to completely pay off your balance while you are borrowing without interest. For example, if you buy a $300 TV using a credit card with 0% APR for six months, making $50 monthly payments will eliminate your debt before the no-interest period expires.

Using a 0% intro APR credit card can be a good strategy to pay off your debt or finance a large purchase, but it can be risky, too. While disciplined borrowers can effectively roll balances into new accounts with 0% intro APR, Nitzche says that many people who transfer their credit card balances only make minimum payments, which can result in spiraling debt and damaged credit, leading to a point when they can no longer get approval for new accounts.

Canceling your credit cards

Even if you have paid down your balance on a credit card, there are two big reasons why you shouldn't cancel your account. Closing your account would affect your length of credit history and credit utilization ratio, two important components of your credit score. (Remember, your credit utilization ratio is the percentage of your total available credit lines across all cards you're using.)

If you close an account you're not using, your total available credit line shrinks, making your credit utilization ratio higher.

Canceling older credit cards will also shorten your credit history, leading to a significant drop in your credit score. If you do decide to cancel some of your credit cards, it's best to leave the oldest account open, as well as the one with the highest credit limit to maintain your credit utilization ratio and prevent any damage to your credit score.

It's important to note that with inactivity, credit card issuers may automatically close your account. To avoid this, Nitzche says that it's best to use each of your credit cards once in a while for small purchases.

Applying for too many credit cards

You may have heard this advice before: Don't apply for too many credit cards at once. Each time you apply for a new credit card, your credit score can drop slightly due to a "hard" credit check

Hard credit checks require your consent and involve a full credit summary from a credit bureau. "Soft" credit checks occur when you view your credit report or a financial company requests a summary without your consent, and they don't affect your credit score. They're used for purposes such as preapproved credit card offers.

When you authorize lenders to pull your credit history, you'll see a "hard" inquiry on your credit report. According to credit score company MyFICO, a hard pull will lower your credit score by about 5 points. While it will stay on your report for two years, the deduction to your score will usually be eliminated within a year.

Too many hard pulls on your credit in a short amount of time -- for example, applying for five store credit cards in one weekend -- could affect your credit rating more, as multiple inquiries indicate higher risks of insolvency or bankruptcy. Experian suggests waiting at least six months between applying for new lines of credit to avoid lowering your credit score.

apple credit card on iPhone and four physical credit cards

Applying for too many credit cards at once can drop your credit score.

Sarah Tew/CNET

Not checking your billing statements regularly

How often do you check your monthly billing statement? It can be an eye opener to see how much money you really charge your credit card, especially if it's routinely more than you bring home each month. 

Spending $20 here and there may not seem like a huge amount, but it can add up quickly. Remember that increasing your credit utilization ratio (your percentage of credit used) will lower your credit score and high balances will cost you more in interest. Plus, how do you know how much you've charged if you aren't tracking your spending?

Tracking your credit card spending isn't the only reason to check your billing statement. You should thoroughly comb through your transactions to make sure there aren't any potentially fraudulent charges you didn't make. The sooner you discover you're a victim of identity fraud, the sooner you can contact your card issuer to dispute the charges and take the necessary steps to secure your credit card account.

For more tips on using credit cards wisely, learn six ways to get the most from your credit card and how to pick the right credit card.


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