i NEED TO KNOW IF i HAVE THE ADVERBS & ADJECTIVES CORRECT

I have had both good and bad experiences when dealing with credit cards. My credit went from GOOD(adv) to BETTER (adv) and eventually to what I thought was the BEST (adv)credit rating we could have.
It was RELATIVELY EASY (adj) to rack those credit cards up to the maximum limit. It became HARD (adj) to make monthly payments
I like to think that I am MORE INTELLIGENT (adv) now then I was in the past about credit cards. I’m more careful this time and choose not to have any. I have a SOLID (adj) commitment to not fall back into debt. It’s never too LATE (adj) to turn things around.
LATELY (adj) I am able to stay within my budget and have all my bills paid on time. I am COMPLETELY (adj) convinced that credit cards are not a necessity for me. Things are MORE ENJOYABLE (adv) since I have eliminated most of my debt.
How I remember is: an adjective describes a noun or pronoun and answers these questions: how many? which one? and what kind?
An adverb describes a verb or adjective and answers these questions: when, where, how, why, in what manner, and to what extent? An easy way to identify Adverbs is to look at the ending. Most adverbs are formed by adding ly to the adjective

I have had both good(adj.) and bad (adj.) experiences when dealing with credit(adj.) cards. My credit went from GOOD to BETTER and eventually (adv.) to what I thought was the BEST (adj)credit rating we could have

Good and Better there are used as nouns objects of the preposition from. The whole prepositional phrase is an adverb.

Please relook at the rest of your sentences and repost.

Based on your statements, here is a breakdown of the adverbs and adjectives used:

1. Good - adjective (describing "experiences")
2. Bad - adjective (describing "experiences")
3. Better - adverb (describing the improvement of your credit rating)
4. Best - adverb (describing the peak of your credit rating)
5. Relatively easy - adverb (describing the ease of racking up credit cards)
6. Hard - adjective (describing the difficulty of making monthly payments)
7. More intelligent - adverb (describing the increase in your knowledge about credit cards)
8. Solid - adjective (describing your commitment)
9. Late - adjective (describing the timeliness of turning things around)
10. Lately - adverb (describing the time period of being able to stay within your budget)
11. Completely - adjective (describing the conviction that credit cards are not a necessity)
12. More enjoyable - adverb (describing the increase in enjoyment after eliminating most of your debt)

Your understanding of adjectives and adverbs is generally correct. Adjectives describe nouns or pronouns, answering questions like "how many? which one? and what kind?" On the other hand, adverbs describe verbs or adjectives, answering questions like "when, where, how, why, in what manner, and to what extent?" While many adverbs are formed by adding "ly" to the adjective, not all adverbs follow this pattern.

Overall, the adverbs and adjectives in your statements appear to be used correctly to describe the relevant nouns, pronouns, verbs, or other adjectives.