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Getting approved for a higher credit card limit is exciting. When you’re given access to a high spending limit, it’s tempting to take advantage of that access. If your creditor thinks you can handle it, why not use the fund you’ve been cleared to access?

Unfortunately, just because you can spend more, doesn’t mean you should. In fact, that mentality could be keeping you stuck in debt.

Accredited Debt Relief breaks down how credit card limits are set, risks, benefits and how to manage them wisely.

Quick Insights

• If you carry a credit card balance, higher limits can make it easier to overspend and harder to track what you owe — which can slow your progress and keep you stuck in debt.
• The healthiest approach is to manage your credit limit intentionally — using utilization, not the full limit, as your spending guide and always have a plan to pay balances down.
• A higher credit limit can support your credit score only when spending stays the same, since lower credit utilization tends to be viewed more favorably by lenders.

How Do Credit Card Companies Set Limits?

A few key factors decide the limit your credit card company sets. They want to ensure you can afford your monthly payments and consider:

• Your income: Higher income usually means higher limits.
• Your credit score: Strong credit signals you’re responsible with money.
• Your existing debt: If you already have high balances, credit card companies might be more cautious.
• Your history with the company: A history of on-time payments builds trust.

These days, many lenders also use algorithms to decide limits. If your spending goes up and you keep paying on time, your limit raises automatically — and that could become a problem.

Risks of a Higher Credit Limit

Research by WVU shows that people who carry a credit card balance month to month tend to spend more when their credit limit increases — because they are treating the limit as income.

For example, you might be used to a $2,000 limit and naturally slow your spending once you hit $1,600. When that limit is increased to $5,000, that mental spending cap also rises. The money feels available, so it gets used.

Over time, this leads to larger minimum payments and much longer payoff timelines — making it harder, not easier, to get ahead.

Benefits of a Higher Credit Limit

A higher credit limit can help your credit score on paper by lowering your credit utilization — as long as your spending doesn’t increase. With more available credit and the same balances, your utilization ratio drops, which lenders view favorably. Most experts recommend staying under 30% — Read more

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As companies race to scale revenue operations efficiently, a new role is emerging at the intersection of technology and business strategy: the GTM (go-to-market) engineer. According to ZoomInfo data, hiring for the role has doubled year over year for the last two years, with hiring peaks in January and July. In mid-2025 LinkedIn had over 1,400 postings for GTM engineering roles, with over 3,000 listed in January of 2026 and salaries ranging from low to high six figures. This position combines technical skills with commercial acumen to build, automate, and optimize the systems that power lead generation, sales intelligence, and customer acquisition.

ZoomInfo

For professionals looking to pivot into a high-impact role in 2026, GTM engineering offers a compelling opportunity. The position is in demand, commands competitive compensation, and sits at the center of how modern companies drive growth through automated lead generation and sales prospecting tools.

What Is GTM Engineering?

GTM engineering is the application of an engineering mindset to revenue operations. GTM engineers design and automate the systems that power growth—from data pipelines and workflow automation to tool integrations and AI-powered processes.

The role spans software infrastructure, data management, and workflow automation, all working together to help revenue teams move faster, stay aligned, and execute without friction.

Some describe it as revenue systems engineering. Others see it as the next evolution of revenue operations. Either way, it’s a critical function for companies building scalable, efficient, and intelligent go-to-market motions.

Wait—Isn’t This Just Demand Generation?

The short answer: no. While GTM engineering and demand generation both touch marketing systems and care about growth, they sit in fundamentally different parts of the value chain.

Demand generation has historically focused on creating top-of-funnel leads through campaigns and programs. The role centers on volume: running ads, executing email campaigns, hosting events, and optimizing channels to drive more prospects into the pipeline. Demand gen teams answer questions like “How do we get more leads?” and “Which channels drive the most pipeline?”

GTM engineering operates differently. Rather than running individual campaigns, GTM engineers build the underlying systems that make revenue generation repeatable, automated, and scalable across the entire funnel.

Here’s the distinction:

Demand generation asks: “How do we get more people in?”

GTM engineering asks: “How does the entire system work once they’re in—and how

Krista Nelson for Near

Budget constraints, talent shortages, and long recruitment cycles are pushing companies to look beyond domestic borders to hire the talent they need to grow. And Latin America is increasingly a top destination.

Near’s 2026 State of LatAm Hiring Report analyzes over 2,000 placements made by U.S. companies over the past year across 411 roles. The data reveals some interesting trends.

Key takeaways:

1. U.S. companies hiring in Latin America access experienced professionals they can’t afford or find domestically, with 84% of placements at mid-level or senior positions.
2. Companies hiring in Latin America build full teams when needed rather than hiring incrementally, scaling departments that would take years with US-only budgets.
3. U.S. companies hiring in Latin America should prioritize finding the right talent for each role over targeting specific countries, as top professionals exist throughout the region.

1. Colombia overtook Argentina as the top hiring destination

For the first time in Near’s data, Colombia became the #1 hiring destination for U.S. companies, rising from #3 to 23% of placements. Argentina, which dominated in previous years, now sits at #2, while Brazil rounds out the top three.

Near (Hire With Near)

Colombia’s rise in popularity as a nearshoring destination is driven by strength in accounting, finance, and sales roles. Argentina remains the go-to for finance and accounting positions, while Brazil dominates marketing and IT & engineering hires.

This shift reveals something important about how U.S. companies are thinking about LatAm hiring. While Argentina is a well-known outsourcing and hiring destination, great talent exists throughout Latin America. Colombia has tremendous strengths—from its growing tech ecosystem to its strong business culture—and companies are discovering what’s been there all along.

This geographic spread isn’t about different countries being “better” at certain roles. It’s about companies realizing that top talent isn’t concentrated in just one or two countries. You can find exceptional accountants, engineers, marketers, and sales professionals across the region.

This geographic diversification is expected to accelerate throughout 2026.

What this means for hiring managers: Don’t limit your search to the most well-known LatAm countries. Great talent exists throughout the region, often with varying cost structures that can wor

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While winter brings warm mugs of hot chocolate and relaxing evenings by the fire, it may also bring bouts of dry, irritated skin. Although frustrating to treat, dry winter skin is more common than you may think.

Our skin becomes dry when it lacks moisture. Low humidity in the winter can dry out skin, and this problem is then exacerbated by cold temperatures and harsh winds. Additionally, according to Medical News Today, the lipids in our outermost layer of skin cannot effectively protect us from toxins when they are not hydrated, increasing levels of irritation and discomfort.

Unfortunately, staying inside isn’t the answer. Electric heaters, fireplaces and hot showers can contribute to excessive dryness just as much as the elements can. Not only does this dryness feel uncomfortable to touch, but it can result in itching, stinging and raw sensations when left untreated. If you find yourself constantly scratching or buying dozens of lotions each winter, try these nine easy ways Culligan shares to soothe your skin until springtime.

1. Humidify.

The easiest way to combat the effects of low humidity is to add humidity back to your air. Dermatologists like Rebecca Dufner, MD, MBA, FAAD, from Tufts Medicine recommend that those with chronic dry skin or other conditions like eczema consider using a humidifier to help prevent skin from drying out. Running a humidifier in your home can not only help rehydrate the skin but also combat other winter ailments like nosebleeds, cracked lips, irritated throat or vocal folds, and allergy symptoms. In fact, a study from researchers at The New School and The City University of New York found that increasing relative humidity by 40% significantly reduces the spread of airborne viruses.

2. Shower intentionally.

Excessive time in the shower won’t wash away your dry skin — in fact, it will likely make it worse. This winter, strive to shower only once a day for no more than five to 10 minutes at a time, per recommendations from Harvard’s Men’s Health Watch. While bathing, it is also important to keep the temperature lukewarm, as hot water is more aggressive on your skin and quickly acts to remove its natural oils.

3. Avoid scented soaps.

When it comes to dry skin, those fun seasonal fragrances are best left to candles and room sprays. According to the Cleveland Clinic, added fragrances can cause micro-irritations that can accumulate over time and cause dry, itchy or cracked skin. If you’re dealing with dry skin, it’s best to choose unscented soaps with glycerin, which are generally more moisturizing and gentler on skin.

4. Save shaving for last.

Because warm water opens your pores, wai

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The glitz and glam of Hollywood captures the attention of Americans starting from an early age. Beyond celebrities’ Instagram Stories and red carpet poses, there are actors out there paying their dues and honing their craft in pursuit of a sustainable career or a fulfilling sideline. Submitting to casting calls is a big part of that journey.

Whether you’re a working actor or an aspiring one, you might be curious to know which movies and TV shows are casting roles near you. Backstage compiled a list of projects casting right now across the U.S., and which roles they’re looking to fill.

Grusho Anna // Shutterstock

TV Series, Real Professional Cooks & Chefs

– Project type: reality TV
– Roles:
— Real Professional Cooks & Chefs for TV Series (chorus / ensemble, 18+)
— Real Professional Cooks & Chefs for TV Series (models, 18+)
— Real Professional Cooks & Chefs for TV Series (real people, 18+)
– Roles pay up to: $5,200
– Casting locations: nationwide
– Learn more about the reality TV show here

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‘All Hail Santa Claus’

– Project type: feature film
– Roles:
— Nick (lead, male, 18-28)
— Ella (day player, female, 21-30)
— Ian (day player, male, 18-28)
– Roles pay up to: $2,241
– Casting locations: New York, NY
– Learn more about the feature film here

Grusho Anna // Shutterstock

Amazon MGM ‘CTTS’

– Project type: feature film
– Roles:
— BG Pedestrians (background / extra, 18+)
– Roles pay up to: $224
– Casting locations: New York, NY; Kingston, NY; Saugerties, NY; Newburgh, NY
– Learn more about the feature film here

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