#024 Why Your Interest Rate Went Up — Even with On-Time Payments

This episode was originally recorded live in our Guilt-Free Spending Facebook group—and it was too juicy not to share here with you on the podcast. We’re diving into something most people don’t even realize is happening: soft credit pulls — and how they can quietly impact your interest rates, minimum payments, and even your credit limits. 👀

If you’ve ever wondered why your rates suddenly go up when you’ve been doing everything “right,” this episode is for you. We broke down:

✅ What a soft pull really is and how it works

✅ Why credit card companies use them (even when you’re never late!)

✅ How your “perfect payment record” can still be affected by one small slip

✅ Where to find soft inquiries on your credit report

✅ Simple steps to protect yourself and stay one step ahead

Plus, you’ll hear a real-life story that proves just how sneaky this can be—and how to avoid learning the hard way.

✨ Want more support with your credit and finances? Check out The Money Academy — where Aline helps you set up real systems that work for your life.

🎤 Let us know you tuned in by dropping a 🔥 in the comments or tagging us on social! And remember — all your bills are connected, so stay consistent and keep showing up for your financial future 💚

Looking for a supportive space to transform your relationship with money? The Guilt-Free Spending Group is designed for high-achieving women who are ready to:

💡 Build financial resilience and confidence.

✨ Create healthy, sustainable money habits.

🌱 Shift from scarcity to abundance.

Inside, you’ll find free tools like the Mindset Money Map and The Budget Toolkit, expert guidance, and a community of like-minded women cheering you on every step of the way.

Be sure to answer the membership questions so we send you your entry gift right away.

Join here: http://www.facebook.com/groups/guiltfreespending/

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