u/Fluffy-Fun-2512

I’m fairly new to the credit card world but I’m just wondering why using more of your credit can be negative for your credit rating??

Hi everyone. Iʻm 20 years old and very new to the credit card world. But I want to get familiar with it now so I can build my credit early and capitalize on the benefits of credit cards sooner than later. Iʻve had a Discover It Student card with 2% on gas and restaurants for just about a year now. And I just received a Chase Freedom Unlimited.

Iʻve read about the Chase ecosystem but Iʻve seen that many people are not liking it as much nowadays. Iʻm taking over my dadʻs family business which does have me travel numerous times throughout the year so that is definitely a factor in finding the right card and benefits.

Should I have made any different choices? Is there any suggestions for cards in the future? Thank you in advance.