Credit Access as a Resilience Asset

Executive summary

Available credit is contingent resilience — it doesn't show on the balance sheet but it absorbs shock when liquidity isn't enough.

• Keep one HELOC open at all times
• Maintain 2+ credit cards with high limits
• Never let utilization rise above 30%

Key takeaways

• Keep one HELOC open at all times
• Maintain 2+ credit cards with high limits
• Never let utilization rise above 30%
• Don't close old accounts

Key strategies

1. Strategy 1

   Keep one HELOC open at all times

2. Strategy 2

   Maintain 2+ credit cards with high limits

3. Strategy 3

   Never let utilization rise above 30%

4. Strategy 4

   Don't close old accounts

Pro-tips checklist

• Use credit only as bridge, not solution
• Test HELOC access annually

FAQ