Little money habits can cost you big when it’s time to borrow.

Using your credit card for everyday spending—like buying drinks at the bar—might seem harmless, but it can quietly reduce your borrowing power.

Lenders look closely at your spending patterns, credit card usage, and repayment behavior. High credit utilization or frequent small charges can raise red flags, even if you always pay on time.

At Rich Money, we help you understand the financial moves that matter so you’re in the best position when it’s time to apply.