What you’ll learn to do: explore factors relating to use of credit including using credit cards and the importance of your credit score

Procrastination is like a credit card: it’s a lot of fun until you get the bill.

—Christopher Parker, actor

By the end of this section, you will be able to describe the opportunities, risks, and rewards of owning a credit card. You will also be able to explain factors contributing to your credit score and identify resources for assistance with credit issues.