Today, Explained Make credit cards work for you
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Feb 22, 2026 
Sarah Rathner, credit card rewards expert at NerdWallet, explains practical ways to maximize points. Sean Venata, financial historian and author, traces how policy and bank moves shaped high U.S. APRs. Angel Sevilla shares a personal comeback: secured cards, tough budgeting, and rebuilding credit to buy a home. They discuss rewards strategy, interest realities, and practical steps for using cards wisely.
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Early Card Freedom Became A Debt Trap
- Angel Sevilla got a $1,500 first card at 18 and treated it like free spending that quickly spiraled into $3,500 of debt.
- He paid mostly minimums, later discovered a 490 score, and had to move in with a boyfriend due to denied housing.
Rebuilding Credit With Secured Card And Small Wins
- A loan officer walked Angel through his credit report, highlighted small collection items, and advised paying them off.
- He opened a secured card and rebuilt his score from about 490 to the high 500s, then eventually to nearly 700.
Slash Small Purchases To Free Cash
- Cut small daily expenses like fast food and bought lunches to free cash for debt payments.
- Use handmade gifts and wardrobe frugality to reallocate money toward bills and credit repair.