Why your credit cards shouldn’t retire when you do

When her car trouble began, Beverly Dobratz, 70, assumed that years of responsible credit usage would qualify her for a new car loan with a low interest rate. Then the salesman checked her credit and learned that she hadn’t made any purchases with it in 10 years; she preferred to pay with cash or her debit card. That had hurt her credit scores, preventing her from getting a deal that worked for her. “It was quite a shock. I had a huge down payment for him, but it didn’t make any difference,” the...

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