10/16/2026
Get Smart About Credit Day is here.
Good credit is built one smart habit at a time. Today we're sharing a few reminders that go beyond the basics:
> Aim to use less than 30% of your credit limit on each card, not just your overall total
> Check your credit report or score once per year, or freeze your credit until you need to use it
> Set up autopay for at least the minimum. One missed payment can hurt more than months of good habits
Small, consistent habits make the biggest difference over time.