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Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

SPRING VALLEY (KGTV) -- A driver is recovering in the hospital after being rescued from his car Wednesday night.According to California Highway Patrol, the man crashed his car around 10:15 p.m. on Sandy Bev Lane.Deputies say the car sheared a power pole before taking out several fences and almost hitting a house.The victim was taken to the hospital with major injuries. No other cars were involved.CHP is investigating what caused the driver to lose control. 468

Since motorists stayed off the road during the Thanksgiving holiday due to the coronavirus pandemic, gasoline sales in the United States during the holiday week fell to its lowest level since 1997.According to an IHS Markit Oil Price Information Service survey (OPIS), gas consumption fell 8.4%, or about 185 million gallons, from the previous week ending Nov. 28.Demand for motor fuel was down 19.3% compared to 2019, OPIS said.IHS Markit executive director Tom Kloza warns that the market could still get worse by year's end as more and more Americans decide to reduce holiday travel due to COVID-19."We're heading toward a 90-day period where gasoline demand gets further crimped by winter weather and post-holiday cocooning," Kloza said in a press release. "By January, we may regularly see demand numbers not witnessed since the last century."OPIS said some regions saw gasoline sales decline by more than 20% last year during Thanksgiving week.Gasoline sales in the midwest were down 23.3% compared to last year, while New Jersey was the hardest-hit state, with gasoline volumes plunging almost 30% from 2019, OPIS said. 1134

Spirit Airlines is looking to the future.On Thursday, the airline company introduced at Chicago O'Hare International Airport a new way for customers to check-in amid the coronavirus pandemic."Using industry-leading technology, we're limiting face-to-face interaction and streamlining the check-in process so guests can get through the airport, to their flight, quicker than ever," the company said on social media. 422

Singer Mariah Carey is getting into the cookie business.The delivery-only cookie brand, Mariah's Cookies, which launched Friday, will offer boxes of 12 cookies for .99 or a half-dozen for .99.Customers will have several different assortments to choose from, including chocolate chunk, triple chocolate chunk, Heath bar, lemon cooler, spiced oatmeal raisin, white chocolate cranberry, pumpkin, and gingerbread.According to Today, the cookies are available year-round, and currently, the company is offering a Holiday Hits Box, which includes gingerbread, white chocolate cranberry, and pumpkin.Also on Friday, Carey's Apple TV+ production, "Mariah Carey's Magical Christmas Special," premiered on the streaming service, the Associated Press reported. 763

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