Kimberly recently returned to ABC’s Sac & Co to offer her insight and tips for managing credit.

Kimberly joined host Mellisa Paul on set to discuss credit missteps, credit card best practices and the importance of good credit scores. She noted less is best when it comes to credit cards, explaining that credit scores are critical—it tells the bank what type of credit risk you are—the lower the risk, the lower the interest rate. Kimberly also advised consumers to check their credit score annually to ensure there are no misreports by credit companies.