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Ask Ralph: Christian Finance

Are You Paying Unnecessary Interest by Carrying a Balance?

Carrying a balance on your credit card may feel manageable, but it comes with a cost—unnecessary interest payments that only benefit banks and credit card companies. Focus on what counts for your credit: timely payments and a low credit utilization ratio. Keep your money working for you, not for them! #SmartSpending #CreditCardTips #FinancialHealth #TakeControl