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Question: What is a surprising fact about personal finance that most people don’t know?
Answer: A surprising fact about personal finance is that your credit score can be negatively affected by having too much available credit, even if you don’t use it. This is because lenders may view you as a higher risk borrower if you have a lot of available credit, as it increases the likelihood that you could rack up a large amount of debt quickly. Additionally, having too many credit accounts open can also make it more difficult to manage your finances and stay on top of payments, which can further damage your credit score. It’s important to regularly review your credit report and close any unnecessary accounts to maintain a healthy credit score.