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During the holiday months of November and December, you are more likely to spend lavishly compared to most other months. Spending during these months is fine as long as you saved for the increase in spending or adjusted your budget accordingly, keeping in mind your credit card bill payments. • You may want to distribute your expenses across different billing periods. • You may choose to pay your balance multiple times within a bill cycle to ensure your credit balance remains low. • You may like to choose different credit cards for your specific expenses, because your credit utilization is calculated from individual cards while also taking into consideration your overall credit limits and balances. Experts recommend keeping your credit balance at 30% below your credit limit. The lower the credit balance

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Unsecured Business Loan


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Personal Finance


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