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The Best Strollers Of 2022: Cost, Convenience And Best Features


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The Best Strollers of 2022: Cost, Convenience and Best Features


The Best Strollers of 2022: Cost, Convenience and Best Features

A stroller can be one of the most expensive purchases you make as a new parent. We say "can" because the stroller market is so vast and varied that your choices range from sub-$100 umbrella strollers to premium models that ask $1,000 and up. With so many different options for wheeling around your bundle of joy, it's easy to become overwhelmed. 

In many ways, shopping for a stroller is like shopping for a car. Just as you'd do for that similarly daunting process, you must first identify your needs. Do you want a small stroller you can take anywhere and deploy and break down quickly, or do you want a large stroller that's more comfortable and can carry more stuff? How many seats do you need? Do you want to be able to swap in a car seat? And how much are you willing to spend? Once you have a better idea of what you want, you can narrow down your options. 

To help you in your search, we tested nine strollers across several different categories. Keep reading to find out which ones deserve your attention.

Read more: How To Choose the Right Baby Stroller for You

Screenshot by Nasha Addarich Martínez/CNET


It's a great idea to buy a convertible stroller for your first baby if you're considering having a second. It gives you the flexibility to add another seat and convert it into a double later on down the line. But while a convertible stroller will work well enough, a dedicated double stroller might better suit your needs. The Baby Jogger City Mini GT2 Double is an all-terrain side-by-side double stroller with several advantages over a convertible double stroller. For one, its maneuverability doesn't change with the number and size of the kids it's carrying. A convertible double stroller has its seats arranged in a tandem configuration. If you have an older toddler in the front seat, the added weight over the front wheels will affect your steering effort. A side-by-side doesn't have that problem if you don't exceed the stroller's weight limits.

Another benefit of the side-by-side layout is the ease of getting your child into the seat. Since there's nothing in front, lifting them into the seat is a breeze. My 3-year-old liked to climb into his seat himself, though this was a double-edged sword as he could just as easily climb out if he wasn't buckled in. Buckling him in was easy when I just used the waist belt, but the shoulder straps' interlocking harness system was tricky. The harness parts all go together a certain way, and getting them to stay that way while your child is squirming can be challenging. Another shortcoming is the small under-seat storage basket. It's a relatively small space for such a large stroller, though it will fit a backpack-style diaper bag, provided you can squeeze it past the crossbar right over the basket. There are also no cup holders, so if you want a place to dock your latte, you'll need to buy one separately from Baby Jogger.

Being an all-terrain stroller, the GT2 Double has larger wheels and a fantastic suspension that provide a smooth ride on pavement and more off-road capability for outdoor excursions. To set the brake, simply pull the lever on the right rail. 

One drawback of side-by-side double strollers is that they're wide. The GT2 Double will fit through standard-size doorways, though sometimes just barely. You need to be aware of the placement of the back wheels when pushing through a door to avoid snagging them. The stroller's extra width makes it less ideal for cruising narrow store aisles. It's best suited for wide-open spaces, so the GT2 Double has become my go-to theme park stroller. As I already mentioned, it's supremely maneuverable and very easy to get my kids in and out of. Thanks to the individually reclining seatbacks and flip-up footrests, it's also great for taking naps. If one child falls asleep, you can lean them back and pull down the sunshade, which provides generous coverage.  

Folding the GT2 Double is as easy as pulling the straps on the seats. The stroller collapses neatly in half, though you need to be ready for the top to swing down to avoid smacking your shins. Carrying the GT2 Double by those straps is easy enough, but at 36.5 pounds, it's far from being a lightweight stroller. Getting it in and out of your car requires some muscle, especially if you lift it over and into a conventional trunk. Additionally, its substantial width makes it bulky even when folded, so you'll need to clear a good amount of space to make room for it.  

Price: At around $700, the GT2 Double isn't cheap. But it makes life with two young kids a little bit easier, and for that, I say it's worth every penny.

Screenshot by Nasha Addarich Martínez/CNET

Unless you're a stroller enthusiast, you probably won't notice when another parent rolls up next to you with a fancy set of wheels. But everyone will notice the Wonderfold W4 Luxe. This imposing four-seat stroller wagon stands at 4.5 feet tall with the canopy fully extended and is just over 4 feet long. On walks, it will take up most of the sidewalk. Despite its size, the largest Wonderfold model is relatively easy to maneuver, though don't expect it to navigate tight corridors and aisles. You will feel the weight of the wagon (plus your kids) when pushing uphill or for long periods, but the large 12-inch wheels in the rear make that task less laborious.  

The Wonderfold W4 Luxe is kind of like a Pack 'n Play on wheels and, as such, it's spacious. The wagon comes with two bench seats, which accommodate two children each. The shoulder room will be tight with two toddlers on one bench, but it's manageable. We usually install the front-facing bench for our two kids, leaving space for blankets, toys and whatever else they need in the front of the wagon. I like that the walls are tall enough that my 3-year-old can't just jump out whenever he wants, and he likes the secret zipper door in the front that allows him to crawl in and out when opened. The canopy is simple and effective, providing plenty of shade no matter the sun's position. When not needed, the canopy rods slide out and stow neatly in the back of the wagon. Also in the back is a large external cargo basket that can hold your diaper bag and more.

The W4 Luxe's best feature is also its biggest downside: it's massive. The wagon weighs 58 pounds in total, and while folding it does shrink it down substantially, it's still bulky. This isn't a stroller you can fit easily in an average-sized trunk. You need to be able to fold some seats down or have a truck bed to toss it into -- and even then, lifting it in and out won't be easy. With all that said, the Wonderfold W4 Luxe isn't well suited for everyday stroller duties. 

Price: This wagon will set you back by $900. But if you have two or more kids and go on regular family adventures, the W4 Luxe is a fantastic option that you'll get years of use out of.

Screenshot by Nasha Addarich Martínez/CNET

After more than 60 years in the baby products game, Chicco has earned a reputation among parents for being a trusted brand. In the competitive stroller market, Chicco's offerings fall right in the middle of the price spectrum, and even though its strollers aren't super high-end, they offer a lot of bang for your buck. The Chicco Corso is a perfect example. 

The Corso is a full-size, single-seat travel system stroller, which means it was designed from the outset to be compatible with a car seat (in this case, the Chicco KeyFit range). Though the Corso's seat is suitable for newborn babies (it reclines fully and comes with an infant insert), it's easier to keep your little one in their car seat, remove it from its base, pop it into your stroller and go. Doing this avoids transferring your baby, which is a game-changer if they're sound asleep and want them to stay asleep.  

The Corso is a midrange stroller, so it feels plain compared to high-end offerings in the same class. Some of its materials are somewhat rough to the touch, and overall the seat lacks the plushness you might expect based on its upscale, modern design. I tested the Corso LE model, which does add a few more premium features, such as a faux leather wrap for the handlebar and bumper bar and a larger cargo basket with cup-holder pouches. It also upgrades the wheels from plastic to a treaded rubber design. These enhancements help raise the Corso's luxury quotient, but if you're expecting Uppababy or Nuna levels of quality, you'll be sorely disappointed.        

What the Corso lacks in luxury, it makes up for with practicality and value. The Corso is handy with a supple ride that's easy on your hands and your baby. The seat has three recline positions and will lay flat. Meanwhile, the canopy provides good coverage thanks to a zip-out extension. I love the one-handed folding mechanism, similar to the Chicco Bravo and it comes in handy when you've got a baby occupying your other hand. Once folded, the stroller stands on its own -- a highly underrated feature.

The Corso is often paired with a KeyFit infant car seat (the standard Corso gets the KeyFit 30 while the Corso LE gets the KeyFit 35). That makes sense since a travel system stroller works best when you have the car seat it's designed to work with. You can, however, buy the Corso separately.

Price: At around $500, the Chicco Corso is a versatile stroller that looks chic and performs well and is a comparable option from Uppababy or Nuna.    

Screenshot by Nasha Addarich Martínez/CNET

It's rare for a stroller to live up to its marketing hype, but the Veer Cruiser does just that with a rugged design that offers capability and utility in spades. The Veer is a versatile stroller wagon that seats two children. The wagon can be pulled or pushed, though pushing requires some getting used to as it steers from the back in this configuration. In keeping with its extreme outdoorsy image, the wagon is designed to be hosed down when it gets dirty. This is a great feature, especially if your kids spill food from the center snack tray. 

The Veer Cruiser's 12-inch rear wheels help it crawl over uneven terrain, while the front wheels with integrated suspension help smooth out the ride. The sides of the wagon are at a good height for a toddler to rest their arms on and they can easily climb in and out. Though the sides, seat backs and handle bar collapse flat, the Veer Cruiser is still bulky when folded due to its large wheels. It's also on the heavy side at 32.5 pounds.

The Veer Cruiser has many useful features out of the box, but some conveniences that come standard on other strollers are only available as optional accessories. For example, if you want shade for your children, you'll have to fork over an additional $60 each for the retractable canopies. If you want more cargo space, the rear cargo basket will set you back at around $80. The advantage of offering everything à la carte is you can customize your Veer Cruiser to your heart's content with unique colors and prints. The Veer Cruiser is undoubtedly a pricey option (especially after accessories), but you'll appreciate this wagon's versatility and robustness if you find yourself outdoors often. 

Price: At $699, the Veer cruiser is pricier than other strollers on this list. But if you enjoy having the option to fully customize your stroller to your ever-changing baby needs, it may be well worth the price.

Screenshot by Nasha Addarich Martínez/CNET

Full disclosure: I've owned an original Minu since 2018, so I've had a lot of time to consider what it does well and where it falls short. With that said, I can say the changes UppaBaby made to the Minu V2 go a long way towards addressing the issues I had with the original. The UppaBaby Minu is the brand's lightweight, compact stroller. Its significantly smaller dimensions make it well-suited for traveling on a plane, but the Minu also works as an everyday stroller.

The Minu V2 builds on the original with small but meaningful improvements. The latch that keeps the stroller together when folded is now hinged and spring-loaded, making it easier to release and unfold. The canopy has been redesigned with a zip-out extension, replacing the previous pull-down shade that got loose and floppy over time. There's also an adjustable leg rest, a welcome addition for naps in the stroller. 

These enhancements only make a great stroller even better. The Minu V2 still boasts exceptional maneuverability and a smooth, comfortable ride for a small stroller. Storage space is limited, but there's enough room in the cargo basket to stow a backpack-style diaper bag. Another reason you'll love it is it fits just about anywhere. There's no need to worry about clearance issues when you're rolling through a densely packed store -- and no matter what other junk you have in your trunk, odds are the Minu V2 will fit. Unfortunately, one feature that hasn't been updated is the two-pedal brake system. Normally, you step on the red pedal to set the brakes on both wheels and step on the green to release them, but in some cases, the pedals stick and fail to lock or unlock both wheels. This is an annoyance but won't affect functionality too much as you can still set the brake manually on each wheel.

Price: The Minu V2 is priced at around $450, which is high for a compact stroller. But its ease of use and overall build quality will ensure that you get plenty of mileage out of it. 

Screenshot by Nasha Addarich Martínez/CNET

If you like the idea of the Veer Cruiser but can't bring yourself to spend that kind of money on a wagon, the Evenflo Pivot Xplore is a compelling alternative that's substantially easier on your wallet. Like the Veer, the Pivot Xplore is an all-terrain stroller wagon with a reversible handlebar that allows you to pull it like a wagon or push it like a stroller. It seats two kids facing each other and comes with a detachable snack tray that snaps in the middle. It also comes with two canopies and an external cargo basket, features that are available only as optional accessories on the Veer.

The Pivot Xplore's large wheels with foam-filled rubber tires perform well on uneven terrain, though not as big as the Veer's. In addition to being competent off-road, the Pivot Xplore rides smoothly on pavement and requires little effort to push or steer when in stroller mode. The seats are spacious, offering plenty of room for your kids to grow thanks to a deep, expandable footwell and wide seat cushions. Drop the wagon's front rim to get in or out, and your kids can come and go as they please. The three-point waist belt is easy to use and holds them securely in place if you need them to stay put. 

Storage is another thing this stroller wagon does well. Each seat has an interior side pocket for storing snacks, sippy cups, toys or whatever your kids pick up on the trails. There are also two exterior pockets that are a good size for storing water bottles. The basket hangs off the back of the wagon and provides a decent amount of space for jackets or a small diaper bag. Do keep in mind that it can get in the way of your legs when pushing in stroller mode. 

It's tough to avoid bulkiness with a wagon, especially an all-terrain wagon with large wheels. The Pivot Xplore weighs 34.7 pounds, but it doesn't feel that heavy loading it into your car when folded. The folding process is straightforward, but it does require some muscle to get the two ends of the stroller to scissor in half and click together in the middle. 

Price: At just under $400, the Pivot Xplore offers a tremendous amount of value for the money. For nearly half the price of the Veer, you get almost as much utility.

Screenshot by Nasha Addarich Martínez/CNET

If you're a parent that's constantly on the go, you need a stroller that can keep up with your busy lifestyle. The Ergobaby Metro Plus is a compact stroller that offers a lot of convenience and takes up hardly any space at all when folded. 

Thanks to its compact dimensions, the Metro Plus can fit just about anywhere, whether you're making your way through a crowded store or rolling down the narrow aisle of an airplane. It also folds up small enough that it's approved for stowage in the overhead bins of most airlines, which is great because a stroller comes in handy when boarding or deplaning with a toddler. At just under 17 pounds, the Metro Plus is exceptionally light. Moving it from one car to another is effortless, especially since you don't have to rearrange your trunk to get it to fit. 

The Metro Plus is reasonably spacious for a compact stroller with a well-padded seat. The seatback reclines flat for nap time and has an adjustable leg rest. The canopy is mounted high on the stroller, limiting coverage, and there's no visor extension. Meanwhile, the cargo basket is decent for a small stroller and has a good clearance between the bottom crossbar and the basket. I also appreciate the adjustable handlebar, a feature I wish the Minu had. The Metro Plus rides well on smooth surfaces, but it can get bumpy going over chunky asphalt. The stroller is supposed to fold with only one hand, but I found the folding mechanics awkward and almost always had to use two hands to origami it into the correct position. It could just take some getting used to, however.

I wouldn't recommend the Metro Plus as your only stroller, but it works great as a lightweight second stroller that you can quickly grab and go. 

Price: At right around $300, it's a fair bit cheaper than the Minu. 

Other strollers we've tested

Screenshot by Nasha Addarich Martínez/CNET

Because the stroller market is so competitive, manufacturers need to keep innovating new features to make their products stand out. One such innovation is the self-folding mechanism, a design that allows a stroller to fold itself automatically without operator assistance. If you frequently have your hands full by the time you get to your car, this is huge, as you have one less thing to worry about when you're trying to get your baby back in the car. The Evenflo Gold Otto is a new addition to the niche self-folding stroller segment, and though it's not perfect, there's a lot to like about it. 

For starters, it's true to its name. Just press the button on the handlebar and the Evenflo Otto automatically collapses down. To unfold it again, hit the same button and pull the handlebar up to watch the stroller snap into position. When folded, it's not quite as compact as the other travel strollers I tested, but it's still easy to squeeze into your trunk or the back seat. It could use some improvement in the ride and handling department. The Otto uses small foam wheels and doesn't have much in the way of suspension. As a result, the ride can be bumpy at times. The wheels on my tester squeaked more than I liked. 

Price: The Otto only costs around $200. If you can live with the above issues, the Otto would make a great second stroller for running quick errands. 

Screenshot by Nasha Addarich Martínez/CNET

The Chicco Cortina Together is a dedicated double stroller with seats arranged in tandem or in-line configuration. It has some handy features, but like other strollers in this category, it also has some major downsides. But first, let's go over what it does well. The Cortina Together can accommodate two larger toddlers thanks to spacious seats with high backs. Additionally, the stroller can accept two Chicco infant car seats (KeyFit 30/35 or Fit2) without adaptors. There's also a nifty parent tray with two built-in cup holders and a small storage compartment beneath the handlebar. The storage basket is large, though not as large as it appears since about one-third of it serves as the footwell for the rear seat.   

Now on to the stroller's drawbacks. The Cortina Together is difficult to push and steer when loaded up with two kids. Its small plastic wheels don't roll well on anything but smooth surfaces, and the suspension doesn't do much to dampen the ride over rough pavement. When folded, the Cortina Together is long and unwieldy, and though it might fit in a large, mostly empty trunk, you'll need to clear a good amount of space for it in most cars. It's also fairly heavy at 36.6 pounds. 

Price: At around $320, the Cortina Together isn't too expensive, but there are better double stroller solutions out there. 

How we tested

I began researching the most popular strollers online, looking for models with stand-out individual reviews and high aggregate review scores. After acquiring a sampling of strollers from various categories and price ranges, I tested them over several months. On the many walks around the neighborhood, visits to the park, shopping trips and all-day excursions during that time, I evaluated each stroller based on the following criteria:

Convenience: How easy is it for the parent to use, break down and transport?
Comfort: How do my children like riding in it? Do they get sweaty from the seat material? Are the straps comfortable to wear?
Ride and handling: How smooth is the ride? How easy is it to push and steer?
Value: Do you get your money's worth for the price you pay?

Stroller FAQs

What are the different types of strollers?

It seems like the stroller market invents new niche categories every year, but here are the basic types of strollers available: 

Full-sized: This is the standard stroller size. Full-sized strollers typically feature more robust construction than compacts and have wider seats. Some full-sized strollers, like the Uppababy Vista, are convertible strollers, meaning they can accommodate a second seat if you want to convert it to a double. 

Double: A double stroller has two seats arranged in either an in-line or side-by-side configuration. 

Travel system: This type of stroller lets you swap the seat out for a compatible infant car seat or bassinet. Because it's modular, you can add pieces as you need them. Another handy travel system feature allows you to flip the seat around, so your baby's facing you. 

Compact: Made for parents who are always on the go, compact strollers offer many of the same benefits as their full-sized counterparts but in a smaller package. They're sometimes called travel or lightweight strollers. 

Umbrella: Even smaller and lighter than a compact, umbrella strollers are great for traveling as they're portable when folded. They also tend to be pretty basic, so don't expect to get many features. But because they're so simple, umbrella strollers are affordable choices. 

Jogging: Parents who can't live without their morning run might consider a jogging stroller. These purpose-built buggies have large wheels and beefed-up suspensions to handle rough terrain. They usually also include air-filled tires and a hand-operated brake to help you slow down. 

Stroller wagon: As the name implies, stroller wagons are one part wagon and one part stroller. They're great for when your kids are a little older as they offer more space. They also give you more cargo options than a typical stroller. 

Car seat carriers: Like a travel system stroller, a car seat carrier will snap into an infant car seat. But that's all they're designed to do. They're sometimes called stroller frames, which is apt because that's exactly what they are. Since there's no seat or anything in the way of creature comforts, these tend to be relatively inexpensive. 

Can you use a stroller for a newborn?

According to the American Academy of Pediatrics, a baby should be able to hold their head up between their first four and six months. Before that, they lack the muscle strength in their neck to keep their head upright. That means most stroller seats aren't suitable for newborn babies. One exception is if your stroller can recline completely flat. Some companies also make newborn inserts for their stroller seats, which give your baby a little more support in a seat that's frankly too big for them.

But even though you can put your baby in some stroller seats, it's probably best to keep them in a car seat or bassinet. Travel system strollers are great options, as they give you flexibility from birth to toddlerhood. If you don't have a true travel system stroller, you might still be able to get an adapter for it that will allow you to use your car seat.

Do you need more than one stroller?

No, you don't need more than one stroller. But having a second one significantly opens up your options for taking the baby out. That's because you can have two strollers that each specialize in doing one thing rather than having to choose one stroller that's a jack of all trades but master of none. For example, you could pick a full-sized stroller for long outings where you want storage space and ride comfort and pair it with a compact for running quick errands.

If you think you're a one-stroller family, make sure you get something versatile that can meet all your needs. Full-size travel system strollers work well in this role, and if it's going to be your only stroller, you can spend a little more money on one. You might consider upgrading to a premium brand like Uppababy or Nuna.


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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Labor Day Weekend Travel: What To Do If Your Flight Is Delayed Or Canceled


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Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled


Labor Day Weekend Travel: What to Do if Your Flight Is Delayed or Canceled

What's happening

An estimated 12.8 million Americans will fly over Labor Day weekend.

Why it matters

While air travel has returned to pre-pandemic levels, many airlines are still plagued by significant delays and cancellations.

Labor Day is here and, despite ongoing flight disruptions and high ticket prices, an estimated 12.6 million Americans will be flying over the three-day holiday weekend, according to data from travel site Hopper.

American Airlines alone estimates 2.5 million customers will board 26,400 scheduled flights through Monday. 

Many of those fliers will face delays and cancellations. On average, 23% of flights in August were delayed from departing US airports, an increase of nearly 30% compared to 2019. And cancellation rates last month were more than double their 2019 rates, as airlines mobilize to address staff shortages, pickets, weather disruptions and other issues.

By 10 a.m. ET on Thursday, American Airlines had already reported 100 delayed flights, according to the website FlightAware, and 23 cancellations. Industrywide, more than 800 flights within, into, or out of the United States have been delayed Thursday morning and 102 canceled.

Analysts don't expect schedules will get back to normal until at least the fall, when demand settles down and new hires have had time to be trained up. 

If you're flying over Labor Day, here's what you need to know about avoiding a travel nightmare, what the airlines owe you if there's a cancellation or delay, and more. 

For more travel tips, here are some great travel gadgets, guidance on renewing your passport online and 19 things to add to your travel checklist. before leaving home.

Why have there been so many delays and cancellations?

canceled flights on board

Layoffs and contract buyouts during the pandemic have left many airlines short-staffed, fueling ongoing delays and cancellations.

Getty Images

Since Memorial Day, US-based airlines canceled more than 50,000 flights and delayed over a half-million, according to NPR. Delta said it canceled 100 scheduled daily flights in the US and Latin America between July 1 and Aug. 7. Southwest Airlines nixed almost 20,000 summer flights.   
The biggest factor has been that airlines are incredibly short-staffed. When the pandemic slowed air travel to a trickle, many carriers bought out employees' contracts and encouraged older pilots to take early retirement.

As a result, from December 2019 to December 2020, the number of airline workers shrank by at least 114,000, according to the Bureau of Labor Statistics. Now carriers are clamoring to staff back up, but they're finding it hard to fill positions. 

The shortages extend to ground staff, baggage handlers, gate personnel and other workers, FlightAware spokesperson Kathleen Bangs told CNET. "They did a lot of buyouts during the pandemic. It's a remarkable growth period and they're just back-footed." 

It's particularly acute with pilots because it can take up to five years and cost hundreds of thousands of dollars to train someone to fly a commercial airplane.

"Most airlines are simply not going to be able to realize their capacity plans because there simply aren't enough pilots, at least not for the next five-plus years," United Airlines CEO Scott Kirby said in a quarterly earnings call back in April, NBC News reported.

Extreme weather has also added to the problem: Severe thunderstorms have caused multiple delays and flight cancellations, and that's aside from hurricane and wildfire season. Aircraft can fly at lower altitudes to try to avoid storm systems, but that burns more fuel -- a dicey proposition given the high cost of jet fuel. 

How to avoid having your flight delayed or canceled

There isn't much you can do to prevent a delay or cancellation. But there are some common-sense steps that will give you a better shot at making it to your destination -- or at least relaxing at home or in a hotel room, rather than stewing in the airport.

The American Airlines mobile app

Download your airline's mobile app to keep on top of changes to your flight schedule.

Pavlo Gonchar/Getty Images

Leave extra time for layovers. You might think an hour is plenty of time to get from one gate to another, especially in the same terminal. But if the first leg of your journey is delayed that hour can turn into 30 minutes. And with most airlines closing the plane doors about 15 minutes prior to departure, you could easily miss your connection.

Hartsfield-Jackson Atlanta International Airport (ATL), Denver International Airport (DEN) and Los Angeles International Airport (LAX) top the list of busiest hubs over the Labor Day holiday, according to Hopper.

Don't book a late-night flight. If you miss a connection, most airlines will work diligently to get you on the next available flight. But if you booked the last flight of the day to your destination, that may mean having to wait until morning -- and either pacing through the airport for hours or booking a night in a nearby hotel. 

Download the airline's app on your phone. Opt into flight notifications and start manually checking the status of your flight regularly, at least 24 hours in advance. As soon as you hear your flight has been cut, find out if you've been transferred to another flight.

Monitor the weather at both your departure and arrival airports. Start checking the weather in both places a few days before your flight. Some airlines will actually reschedule your flight in advance of a major weather front at no extra charge. If a storm is on its way, you might consider leaving a few days earlier or later or finding a different route.

Buy travel insurance. Depending on why your flight is canceled or delayed, the airline might not comp any meals, accommodations or transport you're forced to purchase. The payout for travel insurance may not cover all of your expenses, but it will definitely be more than the cost of a policy, typically 5% to 10% of your trip cost.

What to do if your flight is delayed or canceled

Time is of the essence, so be proactive about rescheduling your flight. 

"A lot of the time you can reschedule yourself on the flight of your choice" using the airline's app, said David Slotnick, senior aviation reporter for The Points Guy. "It'll save you a lot of time and aggravation." (Like CNET, The Points Guy is owned by Red Ventures.)

If that's not possible, call the airline. Even if you get sent to an automated system, it may have a call-back function. You can still call if you're already at the airport. Do it while you're in line to talk to an agent and take whichever option is available first.

What does the airline owe you if your flight is canceled?

Frustrated man at airport counter

While some airlines are able to get you booked on a different carrier if your flight is canceled, not all can.

Dmitry Marchenko/Getty Images

In the US, if a flight is canceled because of something that is the airline's fault -- a mechanical issue or a staffing shortage -- the carrier is required to refund your ticket.

"If you get canceled for any reason -- you don't take your flight -- they have to offer you a cash refund," Transportation Secretary Pete Buttigieg told NPR. "If you'd rather take miles or a different flight, fine. But that's up to you, not them. They've got to give you a refund. That's a basic rule,"  

The Department of Transportation website mandates airlines must also refund the cost of your ticket after a schedule change or significant delay, but the agency hasn't defined what constitutes a "significant delay."

"Whether you are entitled to a refund depends on many factors -- including the length of the delay, the length of the flight and your particular circumstances," according to the DOT website. Whether a refund following a significant delay is warranted is determined "on a case-by-case basis." 

If you don't request a refund, the airline is still responsible for getting you to your destination. But it could be much later than your original flight. Under most circumstances, carriers should provide vouchers for meals and hotels.

Make your plans quickly, though: Airport hotels fill up quickly amid widespread delays and cancellations.

Some airlines will work to get you on another flight with a different airline, Slotnick said, but not every airline has relationships with other carriers. 

What are airlines doing to address delays and cancellations?

Hiring more employees. "All the airlines are doing major hiring initiatives," Slotnick said. "They're rushing to hire pilots and deploy them." They're also trying to improve work conditions for existing workers: In April, Delta announced it would start paying flight attendants during boarding, rather than just once the plane door closes.

The move, a first for a major US airline, is seen as a countermeasure to a unionization push among workers.

Scheduling more flights. Someairlines are boosting service in popular corridors when they can. "They're trying to strike the right balance between adding flights and creating some slack in the system," Slotnick said.

For example, United Airlines recently launched or resumed 30 flights between the US and Europe, its largest expansion ever. Regular flights from Denver to Munich, Chicago to Zurich and New York to Bergen, Norway, are underway, as well as daily service between Boston and London.

When fully operational, United's transatlantic route network will be more than 25% larger than it was in 2019, before COVID-19 cratered air travel.

Plane coming in for a landing at SFO

Some airlines have ramped up their roster of scheduled flights, while others have pared down to avoid having to cancel them later.

James Martin/CNET

Scheduling fewer flights. Otherairlines are going in the opposite direction, reducing their capacity rather than risk being forced to cancel a scheduled flight. JetBlue has already reduced its May routes by almost 10%, Conde Nast Traveler reported, and will likely make similar cuts throughout the summer.

"By reducing our flight schedule for the summer and continuing to hire new crewmembers, we hope to have more breathing room in the system to help ease some of the recent delays and cancellations that we've seen in the industry," a JetBlue spokesperson told the outlet. 

Southwest Airlines, the world's largest low-cost carrier, cut more than 8,000 domestic flights in June "to adjust to capacity," the company told The Business Journals. 

Delta  "temporarily cut" some Labor Day weekend flights from Ronald Reagan Washington National Airport and New York's LaGuardia and John F. Kennedy airports to deal with a large number of airline crew members and air traffic controllers who have already called in sick, The Washington Times reported.

Giving passengers more notice. All the airlines are making a concerted effort to give passengers as much information as possible, Slotnick said, through text updates and other notifications.

"Even a year before the pandemic, airlines were trying to be proactive about informing passengers, even 24 or 48 hours in advance of a possible cancellation," he said.

Offering waivers
United, Delta and other carriers are offering travel waivers to passengers to encourage them to move their flights out of busy time periods. All waiving the usual flight-change fees and some are even foregoing the usual fare difference.

The Department of Transportation has stepped in to hold airlines accountable

On Sept. 1, the U.S. Department of Transportation launched a new website that lets fliers know what they're entitled to when their flight is significantly delayed or canceled. The Aviation Consumer Protection site has a dashboard that compares what policies are regarding rebooking, meal and hotel vouchers and complimentary ground transportation for carriers including Alaska, Allegiant, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit and United.

The Transportation Department's Air Consumer Dashboard

The Transportation Department's Air Consumer Dashboard compares offerings from major carriers.

Department of Transportation

"Passengers deserve transparency and clarity on what to expect from an airline when there is a cancelation or disruption," Transportation Secretary Pete Buttigieg said in a statement. "This dashboard collects that information in one place so travelers can easily understand their rights, compare airline practices, and make informed decisions."

Buttigieg said the goal was to get the airlines to "raise the bar."

"Look, Americans have had experiences with cancellations, delays and poor customer service that just aren't at an acceptable level," he told NPR. "A lot of the airlines are not quite transparent about how and when they'll take care of passengers. "So we're going to put that information out ourselves."

Just knowing that information is out there for air travelers to see has spurred carriers to improve their offerings, Buttigieg added. 

The Department is also collecting comments on a proposed rule requiring airlines to proactively inform passengers about their right to a refund. It would also provide a clearer definition of a "significant change" to a scheduled flight and require airlines to provide non-expiring vouchers to passengers unable to fly because they contracted COVID-19 or other communicable diseases.

The proposal would also mandate carriers that receive pandemic assistance issue those passengers refunds instead of vouchers.

Are any airlines better or worse in terms of cancellations?

An airplane with a Delta logo on it

In 2021, Delta had the fewest cancellations of any major US airline.

Boarding1Now

Without naming names, Slotnick says that, broadly speaking, low-cost airlines have tighter margins with less slack, so theoretically you're more likely to face a cancellation.

But booking with a big carrier doesn't mean you're immune.

"The regionals have parked a lot of planes because they don't have enough staff," Bangs said. "And a lot of people who book on a major airline don't realize they're actually flying with a smaller carrier."

SkyWest, a smaller airline out of St. George, Utah, subcontracts for Delta, United, American and Alaska Airlines. So does Indiana-based Republic Airways.

Sometimes, bigger is indeed better: Last year, Delta had the best record in cancellation rates, according to The Wall Street Journal's annual airline rankings. The Atlanta-based airline scrubbed 0.6% of its scheduled departures in 2021, a third of the industry average of 1.8%.


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Battery Backup Vs. Generator: Which Backup Power Source Is Best For You?


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Battery Backup vs. Generator: Which Backup Power Source Is Best for You?


Battery Backup vs. Generator: Which Backup Power Source Is Best for You?

When you live somewhere with extreme weather or regular power outages, it's a good idea to have a backup power source for your home. There are various types of backup power systems on the market, but each serves the same primary purpose: keeping your lights and appliances on when the power goes out.

It might be a good year to look into backup power: Much of North America is at an elevated risk of blackout this summer thanks to an ongoing drought and expected higher than average temperatures, the North American Electric Reliability Corporation said Wednesday. Parts of the United States, from Michigan down to the Gulf Coast, are at a high risk making blackouts even more likely. 

The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors.

In the past, fuel-powered standby generators (also known as whole house generators) have dominated the backup power supply market, but reports of risk of carbon monoxide poisoning have led many to search for alternatives. Battery backups have emerged as a more eco-friendly and potentially safer option to conventional generators. 

Despite performing the same function, battery backups and generators are different devices. Each one has a particular set of advantages and disadvantages, which we'll cover in the following comparison guide. Keep reading to find out about the main differences between battery backups and generators and decide which option is right for you.

Cynthia R Matonhodze/Bloomberg/Getty Images

Battery backups

Home battery backup systems, such as the Tesla Powerwall or the LG Chem RESU, store energy, which you can use to power your house during an outage. Battery backups run on electricity, either from your home solar system or the electrical grid. As a result, they're much better for the environment than fuel-powered generators. They're also better for your wallet.

Separately, if you have a time-of-use utility plan, you can use a battery backup system to save money on your energy bills. Instead of paying high electricity rates during peak usage hours, you can use energy from your battery backup to power your home. In off-peak hours, you can use your electricity as normal -- but at a cheaper rate.

LifestyleVisuals/Getty Images

Generators

On the other hand, standby generators connect to your home's electrical panel and kick on automatically when the power goes out. Generators run on fuel to keep your electricity on during an outage -- typically natural gas, liquid propane or diesel. Other generators have a "dual fuel" feature, meaning that they can run on either natural gas or liquid propane.

Certain natural gas and propane generators can connect to your home's gas line or propane tank, so there's no need to refill them manually. Diesel generators, however, will need to be topped up in order to keep running.

Battery backup vs. generator: How do they compare?

Pricing

In terms of cost, battery backups are the pricier option upfront. But generators need fuel to run, which means that you'll spend more over time to maintain a steady fuel supply. 

With battery backups, you'll need to pay for the backup battery system upfront, as well as installation costs (each of which are in the thousands). Exact pricing will vary based on which battery model you choose and how many of them you need to power your home. However, it's common for an average-sized home battery backup system to run between $10,000 and $20,000.

For generators, the upfront costs are slightly lower. On average, the price of purchasing and installing a standby generator can range from $7,000 to $15,000. However, remember that generators require fuel to run, which will increase your operating expenses. The specific costs will depend on a few factors, including the size of your generator, which type of fuel it uses and the amount of fuel used to run it.

Installation

Battery backups earn a slight edge in this category since they can be mounted to the wall or floor, whereas generator installations require a bit of additional work. Regardless, you'll need to hire a professional for either type of installation, both of which will require a full day of work and may cost several thousand dollars.

Aside from setting up the device itself, installing a generator also requires pouring a concrete slab, connecting the generator to a dedicated fuel source and installing a transfer switch.

Maintenance

Battery backups are the clear winner in this category. They're quiet, run independently, don't produce any emissions and don't require any ongoing maintenance.

On the other hand, generators can be quite noisy and disruptive when they're in use. They also emit exhaust or fumes, depending on which type of fuel they use to run -- which may irritate you or your neighbors.

Keeping your home powered

As far as how long they can keep your home powered, standby generators easily outperform battery backups. As long as you have enough fuel, generators can run continuously for up to three weeks at a time (if necessary).

That's simply not the case with battery backups. Let's use the Tesla Powerwall as an example. It has 13.5 kilowatt-hours of storage capacity, which can provide power for a few hours on its own. You can get extra power out of them if they're part of a solar panel system or if you use multiple batteries in a single system.

Expected lifespan and warranty

In most cases, battery backups come with longer warranties than standby generators. However, these warranties are measured in different ways.

Over time, battery backup systems lose the ability to hold a charge, much like phones and laptops. For that reason, battery backups include an end-of-warranty capacity rating, which measures how effective a battery will hold a charge by the end of its warranty period. In Tesla's case, the company guarantees that the Powerwall battery should retain 70% of its capacity by the end of its 10-year warranty.

Some backup battery manufacturers also offer a "throughput" warranty. This is the number of cycles, hours or energy output (known as "throughput") that a company guarantees on its battery.

With standby generators, it's easier to estimate lifespan. Good-quality generators can run for 3,000 hours, as long as they're well maintained. Therefore, if you run your generator for 150 hours per year, then it should last about 20 years.

Which one is right for you?

Across most categories, battery backup systems come out on top. In short, they're better for the environment, easier to install and cheaper to run long-term. Plus, they have longer warranties than standby generators.

With that said, traditional generators can be a good option in some cases. Unlike battery backups, you only need a single generator to restore power in an outage, which brings down the upfront costs. Plus, standby generators can last longer than battery backup systems in a single session. As a result, they'll be a safer bet if the power is out for days at a time.

Explore more home energy topics


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2020 Kia Soul Debuts At LA Auto Show, Is Cooler Than Ever


2020 Kia Soul debuts at LA Auto Show, is cooler than ever


2020 Kia Soul debuts at LA Auto Show, is cooler than ever

The 2020 Kia Soul debuted Wednesday at the LA Auto Show, and it looks more or less like Kia's Soul always has, which is to say cute and boxy. This time around though, its gaze gets a little sterner, its lines get a bit sharper, its tech gets a bit better, and you'll be able to get it in six different trim levels. Well played, Kia.

The Soul will be available with either a base 2.0-liter naturally aspirated engine that produces a not-terribly-impressive 147 horsepower and 132 pound-feet of torque, or a 1.6-liter turbocharged engine which makes a much more robust 201 hp and 195 pound-feet. The base motor can be paired with a six-speed manual or a CVT, while the turbo motor is mated exclusively to a seven-speed, dual-clutch transmission. There's also a forthcoming electric version!

The 2020 model year marks the debut of the third generation of Kia's quirky crossover, and in addition to its more sharply creased and ever-so-slightly-longer body, the Soul gets some new lighting changes. The front gets a narrow, squinty set of lights above and great big driving lights below, while the LED taillights wrap around the body.

Other exterior changes for the GT-line trim include a big, gaping front grille with two-tone trim and some fairly aggressively flared fenders. The new X-line trim gets some black plastic fender trim, grille-mounted fog lights, and brushed metal-looking accents.

Kia's new GT-Line Soul didn't have to sell anything for its rock and roll turbo four-cylinder.

Kia

Inside things get a little goofy. Of course, because this is a Soul, the interior accent lighting reacts to the music you're playing, only now you can set it to one of a handful of "moods" which include -- and I'm not joking here -- "Hey! Yo!" and Party Time, along with Cafe and Romance. You also get available wireless charging and dual-zone automatic climate control though, so it's not all lighthearted frippery in Soul town.

"The Soul has been a massive success since its introduction to the US market, blowing its (now defunct) rivals out of the water and establishing itself as an automotive icon with its fun-loving character and eccentric style," said Orth Hedrick, executive director of car planning and telematics at Kia, in a statement. "Even with an entirely new generation of competitors now crowding the marketplace, we are confident the all-new Soul will once again prove to be a tough contender given its unparalleled style and impressive level of invigorating technology and customization options."

soul-x-line

The new Soul X-Line trim looks plenty off-road capable, but do us all a favor and stay off the Rubicon.

Kia

This is a modern Kia, so just as you'd expect, there's a ton of standard safety equipment alongside some available advanced driver assistance systems as part of Kia's Drive Wise technology. These include lane keep assist, high beam assist, lane change assist, blind spot warning, adaptive cruise control and more.

On the infotainment front, Kia is offering an available 10.25-inch high-definition color touchscreen with split-screen functionality. Apple CarPlay and Android Auto are also along for the ride, as is multiconnection Bluetooth (meaning you can connect two Bluetooth devices at once). Also available is an 8-inch head-up display and a 640-watt 10 speaker Harmon Kardon audio system.

The new Soul should hit showrooms sometime in the first half of 2019. Pricing will be available closer to its on-sale date.


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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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