January 20, 2026

Happy Tuesday, everyone ☀️
Good morning — hope today starts with clarity, confidence, and a smooth first win.

Here’s something interesting to think about: have you ever assumed that not using something was the safest choice?
When it comes to credit, “just leaving it there” can quietly work against you.

Today’s post dives into why leaving credit lines unused for years can actually hurt you — and how small, intentional activity can strengthen your financial position over time.

Because sometimes progress doesn’t come from opening something new — it comes from using what you already have wisely.

— Ryan Rincon, Founder at The Wealth Wagon Inc.

— George Bernard Shaw

*Market data represents the most recent market close at 5:00pm ET

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What deep sea mud is revealing about giant earthquakes along the Pacific Coast
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This is not about debt addiction.
This is not about reckless leverage.
This is not about spending more.

This is about credit behavior signaling — and how silence can be misinterpreted.

Most people assume:

“If I don’t use it, it won’t hurt me.”

That’s not always true.

Lenders don’t just look at:

They look at:

Dormant credit is informationally weak.

Unused lines are easy targets.

Lenders periodically:

Not as punishment.

As risk management.

Credit is easiest to use when you don’t need it.

When you suddenly do:

Dormancy removes readiness.

Active accounts show:

Inactive ones show nothing.

Silence doesn’t build trust.

You don’t feel this day-to-day.

But when opportunity or crisis appears:

The damage is delayed — but real.

Because restraint is praised.

But systems don’t reward inactivity.

They reward patterns.

This is not about carrying balances.

It’s about light, intentional activity.

Examples:

The goal isn’t leverage.

It’s availability with credibility.

This shows up most for:

Ironically, the safest behavior creates fragility.