Jan 26, 2021: A financial risk? Maybe. Perception is reality when it comes to credit card companies, and if you're FICO savvy, you'll save yourself lots of cash on high interest rates. Too many credit cards and too many credit inquiries really ding your standing with creditors. Reassess your situation. Practice diligence when it comes to paying your bills. One late payment can throw your good credit into a frenzy and make bad credit worse. Start paying off that debt -- if you don't have any, keep it that way.

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