Some people fear credit cards and others treat them like a magical piece of plastic that solves all of life's problems.

The truth is, credit can be a wonderful thing if used correctly.  In fact, demonstrating your responsibility with credit at an early age can make your life easier down the road (think lower interest rates).

However, mistreating credit can cause real trouble for your financial future.

After reviewing the pages in this section, you will be well prepared to go forth and responsibly manage your credit right from the start.