According to Compounding Quality on Twitter, optimizing credit card usage by paying on time, negotiating fees, and earning reward points can lead to significant financial benefits and improved credit scores, which directly impacts access to capital and trading leverage (source: Compounding Quality, Twitter, May 28, 2025). Poor credit can result in over $100,000 in lifetime losses, underscoring the importance for crypto traders to maintain strong credit health for better margin rates and increased liquidity options when trading digital assets.