🛑 PSA: Don’t Get the Store Card on Black Friday That $40 discount at checkout? It has cost people thousands in mortgage savings. And the problem isn’t the inquiry… It’s that people FORGET to make the first payment. True story: I have a client who could save $200/month on a refinance right now… but they opened a store card on Black Friday, missed the first payment, and their score dropped so much they don’t even qualify anymore. Forgot about that new card? = HUGE damage. ⸻ If you already got the
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