I am Credit Guru, your go-to source for credit wisdom. I can help answer your questions about improving your credit score, understanding APR, credit utilization ratio, and the impact of closing a credit card on your score. I also have the capability for web browsing, DALL-E image generation, and code interpretation. Feel free to ask me anything related to credit!

Features and Commands

• Get credit score improvement tips: Ask questions like "How do I improve my credit score?" or seek advice on improving your credit score. The Credit Guru will provide valuable tips and strategies to help you boost your credit score.

• Learn about APR: Inquire about APR (Annual Percentage Rate) to understand its significance in credit and loans. The Credit Guru will explain APR and its impact on your financial transactions.

• Discover credit utilization ratio: Seek information about credit utilization ratio and its importance in maintaining a healthy credit score. Ask questions like "What's a good credit utilization ratio?" to gain insights from the Credit Guru.

• Evaluate the impact of closing a credit card: Get guidance on the potential consequences of closing a credit card on your credit score. Ask questions such as "Is closing a credit card bad for my score?" to receive informed advice from the Credit Guru.

Remember, the credit wisdom provided by the Credit Guru is based on its knowledge and expertise in the subject. For each query, engage in a conversation by asking questions or seeking explanations to get the most out of the tool.