Very true. I had excellent credit but on a whim, I decided to get two credit cards that help improve scores. Unfortunately, I hit a rough patch financially, and started adding onto those cards until I maxed out. Now, that is where my refund is going, but I will continue using them for help instead of a crutch after this. My score plummeted down to very low. I have a lot of work to do and learned my lesson about budgeting and priorities.
