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Credit cards are one of those things that bodies anticipate they know, but don’t absolutely understand. And if you’ve got a dark spot, you ability be authoritative some big-ticket mistakes.

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A hasty cardinal of Americans attempt with basal acclaim agenda concepts, a NerdWallet analysis appear Tuesday finds. On issues alignment from acclaim array to revolving debt to rewards cards, abounding borrowers displayed an abridged and generally inaccurate anniversary of how acclaim works.

Here are bristles credit-related misconceptions afflictive the public, additional the accuracy (and what to do with the information).

Myth 1: Getting Rid of Old Cards Helps Your Acclaim Score

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Borrowers were decidedly ill-informed aback it came to how the cards in their wallets affect their acclaim scores. Almost 80%, for instance, didn’t apprehend that closing an earlier acclaim agenda could potentially abuse your score.

This aberration may axis from an affluence of attention — if you’ve paid off a card’s balance, say, and appetite to aish approaching temptation.

Closing a acclaim anniversary can abuse your anniversary in two ways, however. You’re abbreviation the bulk of acclaim accessible to you, and appropriately — d you don’t change your spending — accretion the allotment of accessible acclaim you use. (This is your alleged acclaim appliance ratio, which influences 30% of your FICO score.) At the aforementioned time, you are abbreviating the boilerplate age of your accounts; the breadth of your acclaim history determines 15% of your score.

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Rather than closing an old card, accumulate it alive by charging a baby alternating account acquittal on it — and pay it off monthly.

Myth 2: The Cardinal of Cards You Accept Affects Your Score

Perhaps one acumen bodies are absorbed to aing old cards is that added than 90% of respondents anticipate the cardinal of cards you own impacts your acclaim score.

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In truth, it doesn’t — or at least, not much. You will ache a acting dip in your anniversary aback you administer for a new card, but owning 10 isn’t necessarily worse than owning one. Some acclaim agenda aficionados apply dozens of cards and advance an accomplished FICO score.

How abounding should you have? NerdWallet recommends two, in case one gets absent or isn’t accustomed at a authentic retailer. If you’re a aboriginal acclaim agenda user, though, anniversary agenda appliance will backpack a greater impact, so amplitude those out by six months or so. And anybody should abstain axle up bags of cards with aerial anniversary fees.

Myth 3: Accustomed a Antithesis Is Good for Your Score

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A majority of borrowers (54%) are beneath the consequence that accustomed a account debt accountability improves their acclaim score.

This is aloof apparent wrong. Accustomed a antithesis will artlessly amount you money. Pay your cards off anniversary month.

Myth 4: Acclaim Agenda Absorption Accrues Anon Afterwards Purchase

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Asked aback acclaim agenda purchases started accruing interest, 55% didn’t apperceive the acknowledgment — and added than bisected of those said they anticipation absorption starts accruing anon afterwards the transaction. (Perhaps this is why some borrowers adopt debit to credit.)

The accuracy is that absorption alone begins accruing the day afterwards your acquittal is due. Once again, the best admonition is artlessly to pay off your antithesis anniversary month.

Myth 5: You Should Never Pay an Anniversary Fee

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About 27% of the survey’s respondents said that it never makes faculty to pay an anniversary fee for a acclaim card, while 14% said it alone makes faculty if the fee is waived for a year — and addition division said they aloof weren’t abiding about them.

What’s added accurate, however, is that you should never pay an anniversary fee afterwards authoritative abiding the rewards you would get from the agenda outweigh the anniversary cost. And abounding spenders are abrogation hundreds, if not thousands, of dollars on the table.

Take the American Express Blue Banknote Preferred, one of MONEY’s Best Acclaim Cards picks. The cash-back agenda comes with a $75 anniversary fee — but cardholders acquire a signup benefit of $150 afterwards spending $1,000 in the aboriginal 90 days, and can get 6% aback on advantage up to $6,000 per year — addition $360 in rewards. That’s abundant added banknote aback than you could get accept from the best no-fee cash-back card.

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Rather than cardinal out anniversary fees altogether, the smarter move is to appraise your spending and adjudge whether the rewards will be account the cost.

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