Credit cards can be a powerful financial tool — but only if you know how to use them wisely. In this episode ofTPA Today, Joey Belsanti sits down with Andrew McGill, Wealth Advisor at Twelve Points Wealth Management, to break down everything you need to know about credit cards.
We start with the basics: what a credit card actually is and how it works as a short-term loan. Then, we dive into why having a credit card is essential for building credit and managing your finances. Andrew explains the importance of credit scores, how they’re calculated, and why they matter for everything from borrowing money to renting an apartment.
We also discuss responsible credit card use—what to buy, how to avoid common pitfalls, and how to build smart habits early on. Finally, we wrap up with expert tips on choosing the right credit card, comparing interest rates, rewards, and fees to find the best option for you.
If you want to make the most of your credit card while avoiding costly mistakes, this episode has the insights you won’t want to miss!
