Stuart McMillan sits down with Andrea Caceres-Santamaria of the Federal Reserve Bank of St. Louis to discuss practical strategies for managing credit card debt. Andrea shares advice on paying down high-interest cards first, understanding credit utilization, and why balance transfers may do more harm than good. She also explains how properly managing multiple credit cards can actually improve your credit score. Whether you're just starting your credit journey or trying to bounce back, this episode offers valuable insights to take control of your finances.

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