Many people who have credit card loans do not know how best to use their credit cards to build their beacon score and improve their borrowing capacity. Every lender I know gets excited when they meet a guy with a great credit rating. It’s like they want to hug you and give you all the money you want, even when you don’t need it. You probably have experienced getting a credit card in the mail that you did not apply for.
In a nutshell, the proper use of credit cards can actually help improve your credit rating considerably so you can get the best mortgage rates.