{"ok":true,"trend":{"id":971305,"platform":"news","region":"global","key":"rising credit card debt? avoiding the ‘utilization’ trap can help maintain a credit score.","title":"Rising credit card debt? Avoiding the ‘utilization’ trap can help maintain a credit score.","url":"https://news.google.com/rss/articles/CBMi0gFBVV95cUxNQlp2QmNDX090d2QzNUZlUzJLTGVRMXFGYV9IVGlIem8tTXZkbzFBWWU5QVVVSDd3a0p1UXY3b1BtSkt2cXp0N01LdnhDcjlxOFI4WXFsQU5GTHlrQ2pnUFhZdXFUMTEzVFcxYW9LMTBvMzZWa01EdkZNYVB5Tjlaczh1eTlxeWktVzZtVkhreEJFRXREbkpJLWhsaWV4bGQ1VUtlR0ZDT2ZMTC0tTDVTMjVGSzI5TF8tMng2U3p3Mkx0MnVYVWxjVHdwWm1aUFhBaHc?oc=5","first_seen":"2026-10-04T10:00:01.232016Z","last_seen":"2026-10-05T02:26:54.565871Z","last_rank":34,"peak_rank":5,"last_volume":null,"peak_volume":0,"seen_count":13,"score":0.56140625,"category_hint":"personal_finance","section":"business","category":"personal_finance","summary":"As credit card debt climbs, personal finance guidance is warning borrowers about the 'utilization' trap. Credit utilization, the share of available credit a person is using, is a major factor in credit scores, and letting balances creep higher can drag scores down even when payments are made on time. Advisers suggest keeping utilization low and paying down balances to protect credit standing as debt levels rise.","why":"Credit card debt is rising and borrowers are looking for ways to protect their credit scores.","tone":"neutral","entities":["Post and Courier","credit card holders"],"summarized_at":"2026-10-05T04:04:41.740282Z","meta":{"via":"scan","lang":"en","term":"personal finance","source":"Post and Courier","published":"Sun, 04 Oct 2026 09:00:00 GMT"},"nw":null,"promo":null,"kind":null,"importance":null,"hidden":false,"hide_reason":null,"judged_at":null,"title_en":"Rising credit card debt puts credit scores at risk","section_name":"Business","category_name":"Personal Finance","timeline":[{"captured_at":"2026-10-04T10:00:01.232016Z","rank":5,"volume":null},{"captured_at":"2026-10-04T11:22:08.337551Z","rank":9,"volume":null},{"captured_at":"2026-10-04T12:44:13.916791Z","rank":20,"volume":null},{"captured_at":"2026-10-04T14:06:04.394703Z","rank":23,"volume":null},{"captured_at":"2026-10-04T15:28:46.654631Z","rank":10,"volume":null},{"captured_at":"2026-10-04T16:50:47.026178Z","rank":25,"volume":null},{"captured_at":"2026-10-04T18:13:28.698289Z","rank":23,"volume":null},{"captured_at":"2026-10-04T19:35:50.493031Z","rank":29,"volume":null},{"captured_at":"2026-10-04T20:57:49.982769Z","rank":35,"volume":null},{"captured_at":"2026-10-04T22:19:49.661118Z","rank":33,"volume":null},{"captured_at":"2026-10-04T23:42:10.046843Z","rank":34,"volume":null},{"captured_at":"2026-10-05T01:04:53.867572Z","rank":34,"volume":null},{"captured_at":"2026-10-05T02:26:54.565871Z","rank":34,"volume":null}],"posts":[{"platform":"news","url":"https://news.google.com/rss/articles/CBMi0gFBVV95cUxNQlp2QmNDX090d2QzNUZlUzJLTGVRMXFGYV9IVGlIem8tTXZkbzFBWWU5QVVVSDd3a0p1UXY3b1BtSkt2cXp0N01LdnhDcjlxOFI4WXFsQU5GTHlrQ2pnUFhZdXFUMTEzVFcxYW9LMTBvMzZWa01EdkZNYVB5Tjlaczh1eTlxeWktVzZtVkhreEJFRXREbkpJLWhsaWV4bGQ1VUtlR0ZDT2ZMTC0tTDVTMjVGSzI5TF8tMng2U3p3Mkx0MnVYVWxjVHdwWm1aUFhBaHc?oc=5","author":"Post and Courier","title":"Rising credit card debt? Avoiding the ‘utilization’ trap can help maintain a credit score.","snippet":null,"posted_at":"2026-10-04T09:00:00Z","likes":null}],"elsewhere":[],"window":"7d"}}