credit card. Comment ‘2025’ for what I would ACTUALLY pick for each of these goals 👀 It’s a new year, which means new credit card right 😉 But seriously, over 50% of New Years resolutions are focused on finances, so why not pick the credit card that will actually help you achieve those goals? Here are the top 3 I get asked about: 1️⃣ If you’re a student and you’re looking to build the foundation for your credit score ➡️ Look for a cc with no annual fee & no credit score needed to apply so you can get the card fast and start learning how to manage your credit 2️⃣ If you want to pay down your debt ➡️ Look for a balance transfer credit card that has a 0% interest rate for a period of time after opening the account ⚠️ Remember to pay off your balance within that time or you’ll just be racking up more debt 3️⃣ If 2025 is the year of travel for you ➡️ Look for a travel credit card since you can use the sign on bonus for free travel & the card will get you free airport lounge access at airports and extra perks like Global Entry/TSA Pre Check statement credit PS - NOT endorsing irresponsible spending ‼️ You should only open a new credit card if you’re able to spend what you can afford & pay it off in full every month. Otherwise you’re not doing it right ⚠️ Credit cards have absolutely changed traveling for me and I’ve been able to go all over the world while spending less of my own money ✈️ If you want more info on my top choice for each of these goals, comment ‘2025’ and I’ll send you ALL the details. Make sure to follow @joinkudos for more credit card info and tips!  #joinkudos #travelcreditcards #creditcardpoints #creditcardsforbeginners #creditcards #pointsandmiles #tipsandtricks #traveltiktok #travel #traveldeals #traveltips #freetravel #creditcardpoints #amex #chase #capitalone #discover