{"id":1328,"date":"2026-02-03T02:30:00","date_gmt":"2026-02-03T02:30:00","guid":{"rendered":"https:\/\/goodscore.app\/blog\/?post_type=web-story&#038;p=1328"},"modified":"2026-02-02T22:01:34","modified_gmt":"2026-02-02T22:01:34","slug":"minimum-due-trap-how-it-affects-credit-score","status":"publish","type":"web-story","link":"https:\/\/goodscore.app\/blog\/web-stories\/minimum-due-trap-how-it-affects-credit-score\/","title":{"rendered":"Minimum Due Trap: How It Affects Your Credit Score"},"content":{"rendered":"<p><html amp=\"\" lang=\"en\"><head><meta charSet=\"utf-8\"\/><meta name=\"viewport\" content=\"width=device-width,minimum-scale=1,initial-scale=1\"\/><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0.js\"><\/script><script async=\"\" src=\"https:\/\/cdn.ampproject.org\/v0\/amp-story-1.0.js\" custom-element=\"amp-story\"><\/script><link 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style=\"background-color:#016fbb;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.40777%;top:53.55987%;width:77.18447%;height:34.95146%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.628930817610063% 0.628930817610063% 0.628930817610063% 0.628930817610063% \/ 0.9259259259259258% 0.9259259259259258% 0.9259259259259258% 0.9259259259259258%\" id=\"el-e0dcbf6e-c26f-4509-bb08-8aacfc57fa40\">\n<h1 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:2.1698113207547154% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.744337em;line-height:1.1;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #ffb555\">Minimum Due<\/span><span style=\"font-weight: 700; color: #f6f2ed\">: How It Affects Your <\/span><span style=\"font-weight: 700; color: #ffb555\">Credit Score<\/span><\/span><\/h1>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:50%;top:96.44013%;width:49.27184%;height:3.07443%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.9852216748768473% 0.9852216748768473% 0.9852216748768473% 0.9852216748768473% \/ 10.526315789473683% 10.526315789473683% 10.526315789473683% 10.526315789473683%\" id=\"el-e1df29f5-2ec4-4bcc-85aa-d136b15122e6\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Lato&quot;,sans-serif;font-size:0.258900em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #f6f2ed\">powered by goodscore<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.40777%;top:0;width:20.38835%;height:13.59223%;opacity:1\">\n<div 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style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:3.1446540880503147% 3.1446540880503147% 3.1446540880503147% 3.1446540880503147% \/ 2.898550724637681% 2.898550724637681% 2.898550724637681% 2.898550724637681%\" class=\"mask\" id=\"el-e0f8be22-180e-45b6-ae73-426cacf61c6a\">\n<div class=\"fill\" style=\"background-color:#016fbb;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:16.01942%;top:66.01942%;width:67.71845%;height:29.93528%;opacity:1\">\n<div id=\"anim-8fcccecb-02a9-41b0-bb43-a15a1cbe6b43\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7168458781362007% 0.7168458781362007% 0.7168458781362007% 0.7168458781362007% \/ 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But behind the scenes, it\u2019s a debt trap that can ruin your future.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:30.82524%;top:98.7055%;width:33.25243%;height:1.2945%;opacity:1\">\n<div id=\"anim-96056dd0-09da-47f7-bb83-a853c95f75db\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-192.70071%, 0px, 0)\">\n<div id=\"anim-fc472058-72a7-43e8-abc8-e93bc166caf0\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-0e5331c7-2e90-426a-9b97-8afb17c1bb45\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div 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style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-24474324-22fa-4c0b-9677-84d2a12f04bb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2f690491-9ce5-4072-bc17-c377459e82df\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:16.26214%;top:50.48544%;width:67.23301%;height:13.59223%;opacity:1\">\n<div id=\"anim-fc326ead-ca1f-4053-aaf4-c4c7d4440389\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-b7212225-0e0e-40e8-b031-795c67cf6766\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 432.40749%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7220216606498195% 0.7220216606498195% 0.7220216606498195% 0.7220216606498195% \/ 2.380952380952381% 2.380952380952381% 2.380952380952381% 2.380952380952381%\" id=\"el-e6456944-30c5-4581-bb27-1c7d77f315ac\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.155234657039711% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.517799em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #f6f2ed\">The Trap And Its<\/span><span style=\"font-weight: 700\"> <\/span><span style=\"font-weight: 700\">Illusion of Safety<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"2a5a97de-b4c8-467b-998d-8738614e45b4\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9d4208f1-c286-4162-8e8b-70e869d1124a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-84e9e0c0-be39-488f-901d-77f6ec994fbe\",\"keyframes\":{\"transform\":[\"translate3d(-135.03651%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3a8b0749-80b8-493b-838d-f9f1f0389ad7\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-e2fb663d-00d0-4fd7-ae56-227355bbe921\",\"keyframes\":{\"transform\":[\"translate3d(0px, 117.56272%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9ad6de29-e986-41ca-9ced-249d04d02e29\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-98feb89e-5ddc-47d7-bb36-c28b1c622a7f\",\"keyframes\":{\"transform\":[\"translate3d(0px, 452.99146%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-030be248-c877-40a1-973a-6c1c7fa2eaae\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d987c9e3-7ffc-41a9-aaae-f3ad2613722b\",\"keyframes\":{\"transform\":[\"translate3d(0px, 279.32376%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f6f2ed\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-b3dd6be7-61ba-41e5-ae72-528b23cadde9\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.38511%;width:104.61165%;height:75.08091%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-228d2958-3614-4842-ab36-60b075813ddb\">\n<div style=\"position:absolute;width:161.48493%;height:100%;left:-30.74246%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/Credit-Card-Minimum-Due-vs-Full-Payment_-Interest-Score-Impact-and-What-to-Do.webp\" alt=\"Credit Card Minimum Due vs Full Payment_ Interest, Score Impact, and What to Do\" srcSet=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/Credit-Card-Minimum-Due-vs-Full-Payment_-Interest-Score-Impact-and-What-to-Do.webp 1200w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/Credit-Card-Minimum-Due-vs-Full-Payment_-Interest-Score-Impact-and-What-to-Do-1024x683.webp 1024w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/Credit-Card-Minimum-Due-vs-Full-Payment_-Interest-Score-Impact-and-What-to-Do-768x512.webp 768w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/Credit-Card-Minimum-Due-vs-Full-Payment_-Interest-Score-Impact-and-What-to-Do-300x200.webp 300w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/Credit-Card-Minimum-Due-vs-Full-Payment_-Interest-Score-Impact-and-What-to-Do-150x100.webp 150w\" sizes=\"(min-width: 1024px) 47vh, 105vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:54.53074%;width:33.25243%;height:22.00647%;opacity:1\">\n<div id=\"anim-9d4208f1-c286-4162-8e8b-70e869d1124a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-84e9e0c0-be39-488f-901d-77f6ec994fbe\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-135.03651%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%;background-clip:content-box;background-color:#016fbb\" id=\"el-8ed9f9db-812b-4a82-8244-0cf7e5a9a76a\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:8.988321167883218% 0;font-family:&quot;Noto Serif&quot;,serif;font-size:1.521036em;line-height:1.1;text-align:center;padding:2.9197080291970803% 5.839416058394161%;color:#000000\"><span><span style=\"color: #fff\">1<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:79.77346%;width:76.94175%;height:25.08091%;opacity:1\">\n<div id=\"anim-3a8b0749-80b8-493b-838d-f9f1f0389ad7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-e2fb663d-00d0-4fd7-ae56-227355bbe921\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 117.56272%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.2903225806451613% 1.2903225806451613% 1.2903225806451613% 1.2903225806451613%\" id=\"el-4a91612c-4a90-4912-9e47-4bbd0642e7de\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.355987em;line-height:1.4;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700\">The Trap:<\/span> Unpaid balances draw interest up to 48% pa. <span style=\"font-weight: 700\">The Action:<\/span> Always pay even \u20b91,000 more to chip away at the actual principal.<\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:42.55663%;width:1.45631%;height:14.72492%;opacity:1\">\n<div id=\"anim-9ad6de29-e986-41ca-9ced-249d04d02e29\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-98feb89e-5ddc-47d7-bb36-c28b1c622a7f\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-56deec06-212f-4fb0-84b4-8e292b0a9289\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:50.24272%;top:57.28155%;width:38.34951%;height:18.60841%;opacity:1\">\n<div id=\"anim-030be248-c877-40a1-973a-6c1c7fa2eaae\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-d987c9e3-7ffc-41a9-aaae-f3ad2613722b\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 279.32376%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%;background-clip:content-box;background-color:#f8e2c6\" id=\"el-113f85b3-178a-465c-86c5-fcd9bafd0a29\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.7721518987341756% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.453074em;line-height:1.2;text-align:left;padding:2.5316455696202533% 5.063291139240507%;color:#000000\"><span><span style=\"font-weight: 600\">Exploding Interest Charges<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"3c47817e-2c7d-4730-8326-de30f8bfb260\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0f4a16a9-3cb0-4b4e-8607-ae6a4cd638bc\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-5774d2d9-7fe6-4a48-bc11-30f1a6dde791\",\"keyframes\":{\"transform\":[\"translate3d(-135.03651%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3f4c94bd-7f94-4b1c-bd78-2a184f9720c7\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f98d041a-a3e2-495b-b58e-97a6fe84aded\",\"keyframes\":{\"transform\":[\"translate3d(0px, 117.56272%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f12b6781-8507-4ce3-b844-888b0c618ca9\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-7cadabe0-3c49-43ad-96af-e241bf5921ba\",\"keyframes\":{\"transform\":[\"translate3d(0px, 452.99146%, 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style=\"position:absolute;width:191.38954%;height:100%;left:-26.77559%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount.webp\" alt=\"minimum due amount\" srcSet=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount.webp 2240w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount-2048x1152.webp 2048w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount-1536x864.webp 1536w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount-1024x576.webp 1024w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount-768x432.webp 768w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount-300x169.webp 300w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/02\/minimum-due-amount-150x84.webp 150w\" sizes=\"(min-width: 1024px) 47vh, 105vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:54.53074%;width:33.25243%;height:22.00647%;opacity:1\">\n<div id=\"anim-0f4a16a9-3cb0-4b4e-8607-ae6a4cd638bc\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-5774d2d9-7fe6-4a48-bc11-30f1a6dde791\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-135.03651%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%;background-clip:content-box;background-color:#016fbb\" id=\"el-fe61e850-b933-4a90-8763-9b56ed0e4c8f\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:8.988321167883218% 0;font-family:&quot;Noto Serif&quot;,serif;font-size:1.521036em;line-height:1.1;text-align:center;padding:2.9197080291970803% 5.839416058394161%;color:#000000\"><span><span style=\"color: #fff\">2<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:79.77346%;width:76.94175%;height:25.08091%;opacity:1\">\n<div id=\"anim-3f4c94bd-7f94-4b1c-bd78-2a184f9720c7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-f98d041a-a3e2-495b-b58e-97a6fe84aded\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 117.56272%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.2903225806451613% 1.2903225806451613% 1.2903225806451613% 1.2903225806451613%\" id=\"el-a59c862d-47a2-442e-91c6-baa51e9ae1fd\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.355987em;line-height:1.4;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700\">The Trap:<\/span> Paying minimum keeps your balance high, signals risk and drops score. <span style=\"font-weight: 700\">The Action:<\/span> Stop all new spends till balance is clear.<\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:42.55663%;width:1.45631%;height:14.72492%;opacity:1\">\n<div id=\"anim-f12b6781-8507-4ce3-b844-888b0c618ca9\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-7cadabe0-3c49-43ad-96af-e241bf5921ba\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-53e4f97e-1d8b-4d5e-a36e-a3bc15c30bdf\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:50.24272%;top:56.47249%;width:38.59223%;height:18.60841%;opacity:1\">\n<div id=\"anim-fa09fa1b-e79d-4e51-92b9-a34323856e8a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-3549cf4c-7402-416a-9ea9-60921ee7b23c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 283.67158%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.257861635220126% 1.257861635220126% 1.257861635220126% 1.257861635220126% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%;background-clip:content-box;background-color:#f8e2c6\" id=\"el-951ff716-f82c-44ff-8e1e-9bea5d4d7274\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.7610062893081744% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.453074em;line-height:1.2;text-align:left;padding:2.515723270440252% 5.031446540880504%;color:#000000\"><span><span style=\"font-weight: 600\">High Credit Utilization<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"9a70298a-3cf3-4313-a9b3-39c71135e1b6\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d4dc13b9-8756-4462-a742-77227520fa6c\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-28e74293-2776-4166-841d-1bc553b6a50a\",\"keyframes\":{\"transform\":[\"translate3d(-135.03651%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f7e1ffe2-93c6-422a-87fb-95a83a4a13e8\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f123fe53-c91e-4a78-a372-45a700dc9557\",\"keyframes\":{\"transform\":[\"translate3d(0px, 117.56272%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-3f115a2e-2772-4b7d-8807-eea7c43fb5c2\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c2a4f4d9-a8db-41b3-b450-efd4e268ad9e\",\"keyframes\":{\"transform\":[\"translate3d(0px, 452.99146%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b72c32b9-bf54-41e4-b49c-1fe0f3a28d4d\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-993a6419-5987-447d-b7e6-cc335a90ffe0\",\"keyframes\":{\"transform\":[\"translate3d(0px, 279.32376%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f6f2ed\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-87dc6480-25f7-4c8f-9547-2419d447627c\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:-2.42718%;top:-9.38511%;width:104.61165%;height:75.08091%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-594e6467-9149-44a0-b56e-b06bf4c71518\">\n<div style=\"position:absolute;width:100%;height:128.53681%;left:0%;top:-28.14232%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-scaled.webp\" alt=\"set-a-high-interest-rate-on-the-deposit\" srcSet=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-scaled.webp 1850w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-1480x2048.webp 1480w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-1110x1536.webp 1110w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-768x1063.webp 768w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-740x1024.webp 740w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-217x300.webp 217w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2026\/01\/set-a-high-interest-rate-on-the-deposit-150x208.webp 150w\" sizes=\"(min-width: 1024px) 47vh, 105vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:54.53074%;width:33.25243%;height:22.00647%;opacity:1\">\n<div id=\"anim-d4dc13b9-8756-4462-a742-77227520fa6c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-28e74293-2776-4166-841d-1bc553b6a50a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-135.03651%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%;background-clip:content-box;background-color:#016fbb\" id=\"el-efb8cf04-d46b-4be4-a096-657c01666ec3\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:8.988321167883218% 0;font-family:&quot;Noto Serif&quot;,serif;font-size:1.521036em;line-height:1.1;text-align:center;padding:2.9197080291970803% 5.839416058394161%;color:#000000\"><span><span style=\"color: #fff\">3<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:79.77346%;width:76.94175%;height:25.08091%;opacity:1\">\n<div id=\"anim-f7e1ffe2-93c6-422a-87fb-95a83a4a13e8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-f123fe53-c91e-4a78-a372-45a700dc9557\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 117.56272%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.2903225806451613% 1.2903225806451613% 1.2903225806451613% 1.2903225806451613%\" id=\"el-90be1154-a66c-4a6c-b596-e59b02d6d88d\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.355987em;line-height:1.4;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700\">The Trap:<\/span> You lose the &#8220;interest-free&#8221; period on all new purchases.&nbsp;<br \/>\n<span style=\"font-weight: 700\">The Action:<\/span> Use cash or debit until your card is reset.<\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:42.55663%;width:1.45631%;height:14.72492%;opacity:1\">\n<div id=\"anim-3f115a2e-2772-4b7d-8807-eea7c43fb5c2\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-c2a4f4d9-a8db-41b3-b450-efd4e268ad9e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-25771823-a677-44e8-8876-255267426b26\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:50.24272%;top:57.28155%;width:38.34951%;height:18.60841%;opacity:1\">\n<div id=\"anim-b72c32b9-bf54-41e4-b49c-1fe0f3a28d4d\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-993a6419-5987-447d-b7e6-cc335a90ffe0\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 279.32376%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%;background-clip:content-box;background-color:#f8e2c6\" id=\"el-0493f4a6-a493-4af4-8250-160570c303da\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.7721518987341756% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.453074em;line-height:1.2;text-align:left;padding:2.5316455696202533% 5.063291139240507%;color:#000000\"><span><span style=\"font-weight: 600\">The Interest-Free Loss<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"ef5d46c4-6ae4-4bf4-aef1-4ef59497154c\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-194eeaf3-ab9d-41dc-9e2b-1dbc65c6bdbb\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-73e12a17-1a74-47d9-bb4e-b2874cd62ecc\",\"keyframes\":{\"transform\":[\"translate3d(-135.03651%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0a0ca887-36d4-458e-9e43-03e2c22042cb\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d77650c9-9489-48b6-a550-8479cf83fce7\",\"keyframes\":{\"transform\":[\"translate3d(0px, 117.56272%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8395f286-a4a9-4884-bd7b-1626b185024a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c9eff365-3ba4-4731-90c1-7f8b960b9996\",\"keyframes\":{\"transform\":[\"translate3d(0px, 452.99146%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-75d8571e-0153-4d89-9b7e-b583bb7cd1cb\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d4968d2b-e694-4bee-a822-0610c9a1c455\",\"keyframes\":{\"transform\":[\"translate3d(0px, 279.32376%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f6f2ed\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c38c0512-5fea-4e6e-a892-9da07955f97b\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.38511%;width:103.15534%;height:75.08091%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-c4ea698b-d3ab-40b1-92d0-ef4e4ae5cc24\">\n<div style=\"position:absolute;width:163.76471%;height:100%;left:-31.88236%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Manage-Multiple-EMIs-and-Avoid-Debt-Trap-in-India.webp\" alt=\"How to Manage Multiple EMIs and Avoid Debt Trap in India\" srcSet=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Manage-Multiple-EMIs-and-Avoid-Debt-Trap-in-India.webp 1200w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Manage-Multiple-EMIs-and-Avoid-Debt-Trap-in-India-1024x683.webp 1024w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Manage-Multiple-EMIs-and-Avoid-Debt-Trap-in-India-768x512.webp 768w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Manage-Multiple-EMIs-and-Avoid-Debt-Trap-in-India-300x200.webp 300w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Manage-Multiple-EMIs-and-Avoid-Debt-Trap-in-India-150x100.webp 150w\" sizes=\"(min-width: 1024px) 46vh, 103vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:54.53074%;width:33.25243%;height:22.00647%;opacity:1\">\n<div id=\"anim-194eeaf3-ab9d-41dc-9e2b-1dbc65c6bdbb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-73e12a17-1a74-47d9-bb4e-b2874cd62ecc\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-135.03651%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%;background-clip:content-box;background-color:#016fbb\" id=\"el-0594c145-8287-4315-b7c5-96cba22b72c1\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:8.988321167883218% 0;font-family:&quot;Noto Serif&quot;,serif;font-size:1.521036em;line-height:1.1;text-align:center;padding:2.9197080291970803% 5.839416058394161%;color:#000000\"><span><span style=\"color: #fff\">4<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:79.77346%;width:76.94175%;height:25.08091%;opacity:1\">\n<div id=\"anim-0a0ca887-36d4-458e-9e43-03e2c22042cb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-d77650c9-9489-48b6-a550-8479cf83fce7\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 117.56272%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.2903225806451613% 1.2903225806451613% 1.2903225806451613% 1.2903225806451613%\" id=\"el-4b55905d-8f33-4988-a3c2-99d2af422814\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.355987em;line-height:1.4;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700\">The Trap:<\/span> At 5% minimum payments, a \u20b950,000 debt can take 15+ years to clear. <span style=\"font-weight: 700\">The Action:<\/span> Pay off your highest-interest card first.<\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:42.55663%;width:1.45631%;height:14.72492%;opacity:1\">\n<div id=\"anim-8395f286-a4a9-4884-bd7b-1626b185024a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-c9eff365-3ba4-4731-90c1-7f8b960b9996\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-aae6d44c-8285-469f-9ea1-1ec288a3601e\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:50.24272%;top:57.28155%;width:38.34951%;height:18.60841%;opacity:1\">\n<div id=\"anim-75d8571e-0153-4d89-9b7e-b583bb7cd1cb\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-d4968d2b-e694-4bee-a822-0610c9a1c455\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 279.32376%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%;background-clip:content-box;background-color:#f8e2c6\" id=\"el-65c6e1ca-4dc4-4f4a-9709-39c048aae0fe\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.7721518987341756% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.453074em;line-height:1.2;text-align:left;padding:2.5316455696202533% 5.063291139240507%;color:#000000\"><span><span style=\"font-weight: 600\">You Draw Decades of Debt<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"492f02e1-1d57-4870-a488-880fab48c9ec\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-2a2a70de-1290-41d9-96fe-0e8a15915a88\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-2b05db1e-29e1-4151-8e13-c56f898fbeb6\",\"keyframes\":{\"transform\":[\"translate3d(-135.03651%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2500,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-dc86f982-7246-4775-89f3-f4e94ab82300\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-2b41b8e4-c98c-47d8-9510-1e57af48ae10\",\"keyframes\":{\"transform\":[\"translate3d(0px, 117.56272%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-13b8fae4-b7b9-4eee-acc6-e05457ae72a4\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-44cb6fea-56fe-49eb-a01f-e8d992edd337\",\"keyframes\":{\"transform\":[\"translate3d(0px, 452.99146%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-b0abef39-3c30-451f-afbc-e553606becad\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-0ca544fc-975e-4a7c-9106-c3225ffb631a\",\"keyframes\":{\"transform\":[\"translate3d(0px, 279.32376%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f6f2ed\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-2ba339c8-053f-4a16-8997-cffbb98770d7\">\n<div class=\"fill\" style=\"will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.38511%;width:100%;height:75.08091%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-0b7bc261-fda9-4534-bd46-d3ac7eb81565\">\n<div style=\"position:absolute;width:168.82479%;height:100%;left:-34.41239%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=3148&amp;h=2100&amp;fit=max\" alt=\"a person is writing on a piece of paper\" srcSet=\"https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=3148&amp;h=2100&amp;fit=max 3148w,https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=2518&amp;h=1680&amp;fit=max 2518w,https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=1888&amp;h=1259&amp;fit=max 1888w,https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=1259&amp;h=840&amp;fit=max 1259w,https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=629&amp;h=420&amp;fit=max 629w,https:\/\/images.unsplash.com\/photo-1707157281599-d155d1da5b4c?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHw1fHxyZXBvcnR8ZW58MHx8fHwxNzcwMDY5MTE3fDA&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=340&amp;h=227&amp;fit=max 340w\" sizes=\"(min-width: 1024px) 45vh, 100vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:54.53074%;width:33.25243%;height:22.00647%;opacity:1\">\n<div id=\"anim-2a2a70de-1290-41d9-96fe-0e8a15915a88\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-2b05db1e-29e1-4151-8e13-c56f898fbeb6\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-135.03651%, 0px, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0% 0% 0% 0% \/ 0% 0% 0% 0%;background-clip:content-box;background-color:#016fbb\" id=\"el-f70ba830-6c15-42b0-8d63-e856d4e4fa66\">\n<p class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:8.988321167883218% 0;font-family:&quot;Noto Serif&quot;,serif;font-size:1.521036em;line-height:1.1;text-align:center;padding:2.9197080291970803% 5.839416058394161%;color:#000000\"><span><span style=\"color: #fff\">5<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:11.65049%;top:79.77346%;width:76.94175%;height:25.08091%;opacity:1\">\n<div id=\"anim-dc86f982-7246-4775-89f3-f4e94ab82300\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-2b41b8e4-c98c-47d8-9510-1e57af48ae10\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 117.56272%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6309148264984227% 0.6309148264984227% 0.6309148264984227% 0.6309148264984227% \/ 1.2903225806451613% 1.2903225806451613% 1.2903225806451613% 1.2903225806451613%\" id=\"el-eb64e410-a1d1-434d-9b06-8550fd9c71c8\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.355987em;line-height:1.4;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700\">The Trap:<\/span> Your high debt-load is visible to lenders almost instantly now.&nbsp;<br \/>\n<span style=\"font-weight: 700\">The Action:<\/span> Check your report to get proper clarity.<\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:42.55663%;width:1.45631%;height:14.72492%;opacity:1\">\n<div id=\"anim-13b8fae4-b7b9-4eee-acc6-e05457ae72a4\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-44cb6fea-56fe-49eb-a01f-e8d992edd337\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-4367ec45-5a31-4f28-a2dd-71e788c73d98\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:50.24272%;top:57.28155%;width:38.34951%;height:18.60841%;opacity:1\">\n<div id=\"anim-b0abef39-3c30-451f-afbc-e553606becad\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-0ca544fc-975e-4a7c-9106-c3225ffb631a\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 279.32376%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:1.2658227848101267% 1.2658227848101267% 1.2658227848101267% 1.2658227848101267% \/ 1.7391304347826086% 1.7391304347826086% 1.7391304347826086% 1.7391304347826086%;background-clip:content-box;background-color:#f8e2c6\" id=\"el-578ee081-3d21-422c-b785-d5beb5101b25\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.7721518987341756% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.453074em;line-height:1.2;text-align:left;padding:2.5316455696202533% 5.063291139240507%;color:#000000\"><span><span style=\"font-weight: 600\">Faster Credit Reporting<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"a89b29d3-49ff-46b5-b90e-f5aa52197607\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-56070de4-4380-4694-9796-fc1b39804104\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-9505c77c-093c-4e0c-a132-27547fc48153\",\"keyframes\":{\"transform\":[\"translate3d(-192.70071%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-d234dbc7-09d8-4d46-9f39-d1fa7d6d55f1\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-926605e0-33d8-4d94-a4d1-bd4d61fa7bd9\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-c3b5b05e-f487-4878-b590-30ac7d233480\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-8b882d33-106d-4c39-a106-62f895806ac8\",\"keyframes\":{\"transform\":[\"translate3d(0px, 452.99146%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-f9a9485f-1471-4a81-ae20-aa71e9ceb5cc\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-42e297e1-ff3f-417c-a368-f1fd11a18e4c\",\"keyframes\":{\"transform\":[\"translate3d(0px, 432.40749%, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#bebdbb\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-7c7d226c-eab0-4149-820c-ac0b1f4e49f1\">\n<div style=\"position:absolute;width:266.66667%;height:100%;left:-83.33334%;top:0%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Use-Credit-Cards-Smartly-to-Earn-Rewards-and-Avoid-Debt.webp\" alt=\"How to Use Credit Cards Smartly to Earn Rewards and Avoid Debt\" srcSet=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Use-Credit-Cards-Smartly-to-Earn-Rewards-and-Avoid-Debt.webp 1200w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Use-Credit-Cards-Smartly-to-Earn-Rewards-and-Avoid-Debt-1024x683.webp 1024w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Use-Credit-Cards-Smartly-to-Earn-Rewards-and-Avoid-Debt-768x512.webp 768w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Use-Credit-Cards-Smartly-to-Earn-Rewards-and-Avoid-Debt-300x200.webp 300w,https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/How-to-Use-Credit-Cards-Smartly-to-Earn-Rewards-and-Avoid-Debt-150x100.webp 150w\" sizes=\"(min-width: 1024px) 120vh, 267vw\" disable-inline-width=\"true\"><\/amp-img><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:11.40777%;top:46.60194%;width:77.18447%;height:55.82524%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:3.1446540880503147% 3.1446540880503147% 3.1446540880503147% 3.1446540880503147% \/ 2.898550724637681% 2.898550724637681% 2.898550724637681% 2.898550724637681%\" class=\"mask\" id=\"el-13d1e8d6-e6f6-414d-922c-1b25d1e6de93\">\n<div class=\"fill\" style=\"background-color:#016fbb;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:16.01942%;top:66.01942%;width:67.71845%;height:29.93528%;opacity:1\">\n<div id=\"anim-56070de4-4380-4694-9796-fc1b39804104\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7168458781362007% 0.7168458781362007% 0.7168458781362007% 0.7168458781362007% \/ 1.0810810810810811% 1.0810810810810811% 1.0810810810810811% 1.0810810810810811%\" id=\"el-1dc5c6a8-5732-4868-b457-3acec0b47198\">\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.355987em;line-height:1.4;text-align:left;padding:0;color:#000000\"><span><span style=\"color: #f6f2ed\">Minimum Due is a safety net for emergencies, not a lifestyle. Aim for the Total Amount Due every month to keep your credit history clean.<\/span><\/span><\/h3>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:30.82524%;top:98.7055%;width:33.25243%;height:1.2945%;opacity:1\">\n<div id=\"anim-9505c77c-093c-4e0c-a132-27547fc48153\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(-192.70071%, 0px, 0)\">\n<div id=\"anim-d234dbc7-09d8-4d46-9f39-d1fa7d6d55f1\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-926605e0-33d8-4d94-a4d1-bd4d61fa7bd9\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:scale(0.15)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" id=\"el-5b2db816-df17-4d08-ba43-228083ea49be\"><svg style=\"display:block;position:absolute;top:0;height:100%;width:auto\" viewBox=\"0 0 54 3\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><title>White Line<\/title><path d=\"M1.35956 2.14847C14.6931 2.24904 28.0153 2.1033 41.2932 1.70828C45.0941 1.5944 48.8805 1.45586 52.6846 1.30721C53.2209 1.28534 53.039 0.708323 52.5192 0.731685C39.2786 1.27021 26.009 1.57254 12.6972 1.60241C8.93879 1.61498 5.18246 1.60438 1.42716 1.5822C0.877387 1.56782 0.82531 2.14717 1.35956 2.14847Z\" fill=\"white\"><\/path><\/svg><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:0;top:42.55663%;width:1.45631%;height:14.72492%;opacity:1\">\n<div id=\"anim-c3b5b05e-f487-4878-b590-30ac7d233480\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-8b882d33-106d-4c39-a106-62f895806ac8\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 452.99146%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-d3dc45b4-31f5-4420-9c88-25b9d71f0f48\">\n<div class=\"fill\" style=\"background-color:#ffb555;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:16.26214%;top:50.48544%;width:67.23301%;height:13.59223%;opacity:1\">\n<div id=\"anim-f9a9485f-1471-4a81-ae20-aa71e9ceb5cc\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div id=\"anim-42e297e1-ff3f-417c-a368-f1fd11a18e4c\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:1;--initial-transform:translate3d(0px, 432.40749%, 0)\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7220216606498195% 0.7220216606498195% 0.7220216606498195% 0.7220216606498195% \/ 2.380952380952381% 2.380952380952381% 2.380952380952381% 2.380952380952381%\" id=\"el-e75f0159-fe4c-4cf8-be10-c62eff22fa87\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.155234657039711% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.517799em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #f6f2ed\">The Smart Fix: <\/span><span style=\"font-weight: 700\">Break the Cycle<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"8f85f5ef-c0ef-4ef7-a818-7833df35c45b\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-6295cfde-436c-4794-bf6c-1ddaabfa0073\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-cc2f0941-3ea8-4eb1-b98a-80c2ea75a61c\",\"keyframes\":{\"transform\":[\"translate3d(-192.70071%, 0px, 0)\",\"translate3d(0px, 0px, 0)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-2d4cb11c-ec0a-4624-83c8-fad5ddd8f08a\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-61e1aa85-83be-4ae9-b250-4ae6bbfa59e8\",\"keyframes\":{\"transform\":[\"scale(0.15)\",\"scale(1)\"]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.4, 0.4, 0.0, 1)\",\"fill\":\"forwards\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-eb701a7c-769a-4b1a-ae44-7cc1974ee8c7\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" 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1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-grid-layer template=\"vertical\" aspect-ratio=\"412:618\" class=\"grid-layer\"><\/p>\n<div class=\"page-fullbleed-area\" style=\"background-color:#f3f3f3\">\n<div class=\"page-safe-area\">\n<div style=\"position:absolute;pointer-events:none;left:0;top:-9.25926%;width:100%;height:118.51852%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0\" class=\"mask\" id=\"el-529e7fd7-7b7a-477e-a261-6e11542e9a72\">\n<div style=\"position:absolute;width:188.44445%;height:159%;left:-51.9947%;top:-59%\" data-leaf-element=\"true\"><amp-img layout=\"fill\" src=\"https:\/\/images.unsplash.com\/photo-1583577836827-aa0b0fe98bff?ixid=M3wxMzcxOTN8MHwxfHNlYXJjaHwzfHxiaW5vY3VsYXJzfGVufDB8fHx8MTc3MDA2OTE0Nnww&amp;ixlib=rb-4.1.0&amp;fm=jpg&amp;w=2624&amp;h=3936&amp;fit=max\" alt=\"person holding round black frame\" 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style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:3.1446540880503147% 3.1446540880503147% 3.1446540880503147% 3.1446540880503147% \/ 2.898550724637681% 2.898550724637681% 2.898550724637681% 2.898550724637681%\" class=\"mask\" id=\"el-98ac0a98-0f3f-411e-926c-29e5217b3d8d\">\n<div class=\"fill\" style=\"background-color:#016fbb;will-change:transform\"><\/div>\n<\/div>\n<\/div>\n<div style=\"position:absolute;pointer-events:none;left:16.01942%;top:66.01942%;width:67.71845%;height:29.93528%;opacity:1\">\n<div id=\"anim-6295cfde-436c-4794-bf6c-1ddaabfa0073\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.7168458781362007% 0.7168458781362007% 0.7168458781362007% 0.7168458781362007% \/ 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style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.155234657039711% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.517799em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 700; color: #f6f2ed\">Visualize Your <\/span><span style=\"font-weight: 700\">Debt With Us<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><amp-story-page id=\"5c8c6848-3cb2-4e4d-8897-36870c4c3c83\" auto-advance-after=\"8s\"><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script type=\"application\/json\">[{\"selector\":\"#anim-cb2eed50-7e16-461c-80f5-35938e211635\",\"keyframes\":{\"opacity\":[0,1]},\"delay\":0,\"duration\":2000,\"easing\":\"cubic-bezier(0.2, 0.6, 0.0, 1)\",\"fill\":\"both\"}]<\/script><\/amp-story-animation><amp-story-animation layout=\"nodisplay\" trigger=\"visibility\"><script 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style=\"position:absolute;pointer-events:none;left:11.40777%;top:0.16181%;width:76.45631%;height:20.87379%;opacity:1\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:0.6349206349206349% 0.6349206349206349% 0.6349206349206349% 0.6349206349206349% \/ 1.550387596899225% 1.550387596899225% 1.550387596899225% 1.550387596899225%\" id=\"el-254ea3bc-0fd9-42c6-9ce5-13abff64bf82\">\n<h2 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:1.0793650793650789% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.550162em;line-height:1.2;text-align:left;padding:0;color:#000000\"><span><span style=\"font-weight: 500; color: #f6f2ed\">Building a 750+<\/span><br \/>\n<span style=\"font-weight: 500; color: #f6f2ed\">Credit Score was Never This Easy!<\/span><\/span><\/h2>\n<\/div>\n<\/div>\n<div 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id=\"anim-22e89ac9-7079-4bf4-8fe1-25b43db43f6e\" class=\"animation-wrapper\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0;--initial-opacity:0;--initial-transform:none\">\n<div style=\"pointer-events:initial;width:100%;height:100%;display:block;position:absolute;top:0;left:0;z-index:0;border-radius:3.1948881789137378% 3.1948881789137378% 3.1948881789137378% 3.1948881789137378% \/ 22.727272727272727% 22.727272727272727% 22.727272727272727% 22.727272727272727%;background-clip:content-box;background-color:#fff\" id=\"el-cd5b77aa-1c31-4c4f-9497-d71d0c57b995\"><a href=\"https:\/\/goodscore.app\/\" data-tooltip-icon=\"https:\/\/goodscore.app\/blog\/wp-content\/uploads\/2025\/11\/logo2.jpg\" data-tooltip-text=\"Build Credit Score to 750+ | Get insights on Credit Report\" target=\"_blank\" rel=\"noreferrer\" style=\"width:100%;height:100%;display:block;position:absolute;top:0;left:0\"><\/p>\n<h3 class=\"fill text-wrapper\" style=\"white-space:pre-line;overflow-wrap:break-word;word-break:break-word;margin:0.8306709265175717% 0;font-family:&quot;Poppins&quot;,sans-serif;font-size:0.420712em;line-height:1.2;text-align:center;padding:1.2779552715654952% 2.5559105431309903%;color:#000000\"><span><span style=\"font-weight: 500\">Check Credit Score<\/span><\/span><\/h3>\n<p><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/amp-story-grid-layer><\/amp-story-page><\/amp-story><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is paying the minimum due really enough? Learn why the Minimum Due Trap is actually a silent killer for your credit score and how you can escape the debt cycle.<\/p>\n","protected":false},"author":1,"featured_media":1396,"template":"","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"web_stories_publisher_logo":413,"web_stories_poster":[],"web_stories_products":[],"footnotes":""},"web_story_category":[],"web_story_tag":[],"class_list":["post-1328","web-story","type-web-story","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Minimum Due Trap: How It Affects Your Credit Score<\/title>\n<meta name=\"description\" content=\"Is paying the minimum due really enough? 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