How should I manage credit card payments when unexpected expenses arise?
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If paying the full balance every month is the ideal approach, what should I do when unexpected expenses make it hard for me to repay in full? Should I reduce my card usage, switch to lower-interest options, or focus on building a stronger emergency fund first?
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@KohlQueen You’re looking at this the right way. It’s always better to build up your savings first, so you have a safety net. At the same time, try to avoid using the cards for anything extra for now. If you can balance saving a little while keeping your debt down, you’ll stay on track without stress.