{"id":934,"date":"2020-08-06T09:00:00","date_gmt":"2020-08-06T14:00:00","guid":{"rendered":"http:\/\/ec2-3-209-223-66.compute-1.amazonaws.com\/?p=934"},"modified":"2023-09-06T08:43:37","modified_gmt":"2023-09-06T13:43:37","slug":"6-times-its-ok-to-max-out-your-credit-card","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/6-times-its-ok-to-max-out-your-credit-card\/","title":{"rendered":"6 Times It’s OK To Max Out Your Credit Card"},"content":{"rendered":"\n

It\u2019s the cardinal rule of credit card use: \u201cWhatever you do, don\u2019t max out your credit card.\u201d It\u2019s good advice, but there are always exceptions to rules. Remember, maxing out your credit card is risky if you won\u2019t be able to pay down the balance fairly quickly. <\/p>\n\n\n\n\n\n\n\n

Maxing Out Your Card May Affect Your Credit Score<\/h2>\n\n\n\n

The effect that maxing out your card will have on your credit depends on how much debt you already have. It may lower your credit score and raise your minimum payment on the card. If maxing out a card will cause your credit utilization to exceed the recommended 35-40% you could see a dip in your score if you wait more than 30 days to pay down the balance. <\/p>\n\n\n\n

For example, if you have a $15,000 credit card limit spread out on 3 cards, spending more than $6,000 could cause your score to drop. <\/p>\n\n\n\n

We\u2019ve made a list of 6 times maxing out your credit limit may be OK.<\/strong><\/p>\n\n\n\n

1. Taking Advantage of a 0% Introductory Offer<\/h2>\n\n\n\n

If you are using a credit card with 0% introductory offer for a special purchase or  to consolidate your debt  you may decide to max out the balance on the new card. This strategy works as long as you plan to pay off the card before the introductory period is over. Doing this allows you to pay back the debt within the introductory window without accruing interest. <\/p>\n\n\n\n

2. Waiting on Unemployment Insurance<\/h2>\n\n\n\n

If you have been recently unemployed and are eligible for unemployment insurance, you may have to wait a few weeks to get your insurance payment. In the meantime, it\u2019s OK to use your credit card to cover expenses. Pay off the credit card as soon as you get your unemployment payments. <\/p>\n\n\n\n

3. Waiting on Payment From a Client<\/h2>\n\n\n\n

If you are a freelancer or independent contractor, you may occasionally have to use a credit card to cover expenses until invoices are paid by your clients. This strategy can help you pay bills on time and avoid late fees. This works best if you feel confident you\u2019ll be able to pay down the  balance off as soon as you receive payment. <\/p>\n\n\n\n

4. Taking Advantage of a Rewards Program<\/h2>\n\n\n\n

Some credit cards have valuable rewards programs that are based on how much you spend on your limit. For example, you may want to earn miles to put toward an upcoming trip. To do so, you might decide to  spend the limit on your credit line to maximize your reward and pay it down right away.<\/p>\n\n\n\n

5. Avoiding Foreign Transaction Fees While Traveling<\/h2>\n\n\n\n

When you are traveling abroad or experiencing an emergency in a foreign country, you may decide to max out a card to take advantage of low or no foreign transaction fees and pay off the balance when you finish your trip. <\/p>\n\n\n\n

If you plan to use credit while traveling abroad<\/a> make sure you read up on tips to stay safe and avoid fraud or fees. <\/p>\n\n\n\n

6. Handling a Serious Emergency<\/h2>\n\n\n\n

If you have a medical expense or need to make an emergency home or car repair, maxing out your card may be your only option. Ideally you would have an emergency fund for this, but if you do not, using your credit card is a short term solution. <\/p>\n\n\n\n

Learn more about  how to save for an emergency fund<\/a>. <\/p>\n\n\n\n

Pay Down the Balance as Soon as Possible<\/h2>\n\n\n\n

These exceptions work best if you know you\u2019ll be able to pay down the balance in a timely fashion. It\u2019s never a good idea to max out a card or use more credit than you can afford to pay back. Overextending yourself can lead to costly late fees and serious damage to your credit if you can\u2019t make your payments. <\/p>\n\n\n\n

If you have debt that you can\u2019t afford or have already maxed out one or more of your credit cards, consider these tips for advice on what to do when you max out your credit card<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s the cardinal rule of credit card use: \u201cWhatever you do, don\u2019t max out your credit card.\u201d It\u2019s good advice, but there are always exceptions to rules. Remember, maxing out your credit card is risky if you won\u2019t be able to pay down the balance fairly quickly. <\/p>\n","protected":false},"author":7,"featured_media":919,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[70],"tags":[],"class_list":["post-934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"accredited":{"author":{"name":"Anna Caldwell","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/author\/acaldwell\/"},"categories":[{"name":"Credit Cards","slug":"credit-cards","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/category\/credit-cards\/"}],"thumbnail":"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2020\/08\/820x312_ADRBlog_CCSeries_OkMaxCC.jpg"},"acf":{"edited_by":null,"reviewed_by":null,"fact_checked_by":null},"yoast_head":"\n6 Times It's OK To Max Out Your Credit Card - Top Dollar<\/title>\n<meta name=\"description\" content=\"We\u2019ve made a list of 6 times it\u2019s OK to max out your credit card. 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