Full Show: Why You Don’t Need an 800 Credit Score and Clark’s Secrets To Avoid Travel Catastrophes

Credit is so important in our financial lives. But do you really need to strive for the perfect 850 credit score? Clark shares the magic score you really need to get the best loan rates. (Hint: It’s below 800!) Also, travel is amazing – when everything goes smoothly. Clark travels numerous times a year. From flight cancellations to overbooked hotels to oversold car rentals, Clark shares his secrets to avoid disaster.

Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the February 5, 2025, episode of The Clark Howard Show.

00:00 - Intro
01:00 - Why You Don’t Need an 800 Credit Score
05:37 - Ask Clark - How Long Does It Take Credit to Recover After a Missed Payment? – Gary in WI shares his story of a late payment and a 70-point score drop, asking how to bounce back.
09:43 - Ask Clark - Will Getting a Credit Card Help Boost My Score to 800+? – Patrick in SC wants to know if getting his first credit card will help improve his already solid credit score.
11:46 - Ask Clark - Should I Pay My Credit Card Balance Immediately or Before the Due Date? – Joseph in WI asks about the best payment timing for maintaining a great credit score
14:35 - Clark’s Secrets To Avoid Travel Catastrophes
23:31 - Ask Clark - When Should I Book a Flight to South Africa? – Michael in IN plans a mission trip and asks how far in advance to book international flights.
27:05 - Ask Clark - IHG Points & Cash Booking Refund Tip – Chuck in ID shares a money-saving tip about IHG cancellation policies with points and cash bookings.
Ask Clark - Is Norse Airways a Good Option for Flying to France? – Ramonda in GA asks if Clark recommends Norse Airways compared to Delta or Air France for her upcoming trip.

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