Hi and welcome to the Deeper Than Money podcast. I am your host, Chloe Elise. I'm a millennial money

coach speaker, dog mom, and a seven on the enneagram, and I am on a mission to prove to you

that finances can be fun and easy. On the Deeper Than Money podcast, we will dive

into all things millennial finance, debt, saving mindset, and how to have financial freedom

to enjoy life in your 20s and 30s. I want you to leave this podcast with more confidence around

your Moolah and the belief that your biggest financial dreams are

possible for you.

So let's talk money.

Hello and welcome back to the Deeper Than Money podcast.

Today we're going to be talking about how to use your credit card, how to best take advantage of your credit card, what to do if you are in credit card debt, and all of the basics.

We're not going to go into think of this is like

the 1.0 the 101 class we're not going to go super deep in like credit card point hacking and all

of that stuff but just some of the basics so if you're someone who is confused on should I own a credit card or you have a credit card,

but it's maxed out or like you have a credit card, we don't really use it or you don't know how to

use it. This is the episode for you. Okay. So before we talk about the strategy behind it,

we have to figure out what you're using it for, right? Like, what are your

reasons and what are your priorities right now? So a couple things. First thing, if you are using a

credit card because you feel like you have to, aka you are continuously going into credit card debt.

Then the first thing we want to do is to switch over from our, the credit card and start

using your debit card. So this can be hard for a couple ways, especially or for a couple reasons,

especially if you're used to relying on your credit card. And there can be lots of different

reasons for going into credit card debt or relying on your credit card. And in each different

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