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10 Myths Americans Believe About Credit Cards — And the Truth That Builds Wealth By Derrick D. Griffin, Founder of iThinkiCan™ Publishing House Empowering Generational Wealth — One Blueprint at a Time.™ Book now on Amazon, Barnes & Noble etc Purchase now! Come join me on my Tik Tok Live stream daily. Folly, share, and join my Live stream club. Click the picture below 👇🏽  Join my Tik Tok Live stream --- Introduction: Why Credit Cards Still Get a Bad Rap in America For decades, credit cards have carried a stigma in American households. Parents warn their children: “Never touch credit cards; they’ll ruin your life.” Financial gurus on TV dramatize debt horror stories, and millions of adults live with an ingrained fear that credit equals chaos. Yet here’s the paradox: those same credit cards, when understood correctly, can unlock financial freedom, build generational wealth, and open the doors to funding opportunities that cash alone cannot provide. This b...

How to STOP Sabotaging Your Credit Score — Before It’s Too Late By Derrick D. Griffin Founder, iThinkiCan™ Publishing House | Griffin Generational Wealth Series™ “Empowering Generational Wealth — One Blueprint at a Time.™” --- Introduction: The Hidden Battle Between You and Your Score Your credit score is more than just a number — it’s a silent judge of your financial behavior. It determines whether you get approved for a mortgage, a business loan, or even a new cell phone plan. Yet, millions of Americans unintentionally sabotage their credit without realizing it. The truth is simple: you can’t build wealth while constantly working against your own financial foundation. Understanding how to stop sabotaging your credit score is the first step toward financial freedom and generational power. --- 1. Stop Ignoring Your Credit Utilization One of the quickest ways to damage your credit is by maxing out your credit cards. The credit utilization ratio — the percentage of your available credit ...