If you have a balance on your credit card, you might have the option to pay it off in full or carry it from month to month. Most of the time, paying off your credit card in full is the best approach.

Thanks to rising home prices and a stagnant real estate market, U.S. homeowners were sitting on a record $11.6 trillion in tappable home equity in 2025. A home equity line of credit (HELOC) lets you ...