How Credit Cards Work and Why You Should Minimize Your Credit Card Debt

Timothy Alvin Makalinao
The Savvy Savior
Published in
9 min readJan 14, 2019

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Photo by: Paulo Makalinao

Most of the ads I see on Facebook are ones encouraging me to apply for more credit cards. Using the power of the “internet cookie,” Facebook knows that I’m a credit card fiend, and I crave the latest and greatest card with the best rewards program. You see, at the ripe old age of 22, I keep 16 credit cards open. Yes, SIXTEEN.

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Timothy Alvin Makalinao
The Savvy Savior

A graduate from Harvard working in Finance, but with a dream to create the world’s best men’s skincare company. https://aeronautskincare.com/