Freshman Credit

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You're young, you're ready to assert your independence and you're being offered credit cards everywhere you turn. These cards can be useful tools BUT they're also an easy way to get into big trouble.

Take it Slow...
Get one credit card with a low limit and use it responsibly before you even consider getting another. Here's How!

Interest, fees, terms – huh?
All credit cards carry some kind of fee but they'll vary with each type of card. When shopping for a card, compare the costs, think about how you plan to use it, and choose one that best fits your needs. More Information!

What's a credit report & why is it important?
Just like a report card, a credit report tells how well you are doing at managing your credit AND includes personal information. Here's More!

Credit Traps
Excessive credit debt is a serious problem. Last year, more people under 25 filed for bankruptcy than graduated from college. Here's More!

Credit Wise: Good Credit = Good Deals!
Used well, credit cards can play an important role in your life. They can help teach financial responsibility and help you build a strong credit history that will pay off later. Here's More!