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2. What is a credit card charge-off? - AOL

   www.aol.com/finance/credit-card-charge-off...

   How does a charge-off affect your credit score? In a word, badly. Charge-offs, by their nature, mean that you haven’t paid your bills. ... It may change who you have to pay, but it does not ...

3. How does deferring a loan affect my credit score? - AOL

   www.aol.com/finance/does-deferring-loan-affect...

   Does Deferring a Payment Hurt Credit? Here's the good news: Deferring loan payments does not directly affect your credit scores. In fact, if you're having trouble making payments, it can be a good ...

4. How do balance transfers work, and will one work for you? - AOL

   www.aol.com/finance/balance-transfers-one...

   Making on-time payments and reducing your outstanding debt balances go a long way in lifting your score. Payment history and credit utilization—how much of your available credit is used ...

5. How to cancel a credit card without hurting your credit score

   www.aol.com/finance/cancel-credit-card-without...

   That’s because your average age of accounts and credit utilization — two factors that affect your credit score — may be negatively impacted. But the effect shouldn’t be too drastic or long ...

6. How does ‘buy now, pay later’ affect your credit score? - AOL

   www.aol.com/finance/does-buy-now-pay-later...

   How hard credit checks affect your score When considering BNPL as a payment option, it’s critical to understand whether it requires a hard credit check and how this may impact your credit score.

7. What is an outstanding balance on a credit card? - AOL

   www.aol.com/finance/outstanding-balance-credit...

   How does an outstanding balance affect my credit score? ... pay off your outstanding balance on the 10th of the month and show a $0 credit card balance by the time your credit card billing cycle ...