GET THE FACTS ON CREDIT

You probably already know some credit basics. Like paying off your card balance and getting your payments in on time. But there's more to learn to set up your good credit for a lifetime.

Study card agreement

Be sure to read the fine print. Might not seem important - but when it comes to credit cards, it's extremely important.

Use credit wisely

Maintaining good credit depends a lot on how you use it.

Pay off balances quickly

The faster you pay your balances, the less interest you'll pay. And interest adds up.

Pay more than the minimum

The more you can shave off your monthly balance the better. Paying the minimum means you'll incur maximum interest each month.

Know your limit

There's nothing worse than getting your card denied. Know your limit, and know what you can afford.

Pay on time

Late fees, like interest, add up quickly and could end up making your debt unmanageable.

Keep in touch

Stay in contact with your credit card provider to learn about fees, limit increases, and special offers.

Credit counts for loans

Student loan? Car loan? Home loan? Keep your credit in order so you'll have no problem getting the loan you need.

WHAT'S YOUR CREDIT IQ?

Take the quiz now to see how smart you are about credit.

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PAYMENT CALCULATOR

Use our calculator to give you a realistic view of your next credit card payment.

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CREDIT RESOURCES

Check out these valuable sources for more information on credit.

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