How to Use Credit Cards Wisely | The 6 Golden Rules

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2 AMEX Secrets Most People STILL Don’t Know in 2025 😮‍💨 If you want more credit, lower interest, and ZERO damage to your score… do this: 1️⃣ Shift Your Credit Limits Have one Amex card with a high balance and another with better terms? You can move part of your limit between cards. This instantly improves your utilization and can cut your interest. → Just message Amex or go to Account Services and ask for a “credit limit reallocation.” They don’t hype this feature… but it works every time. 2️⃣

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