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So... are credit cards a bad thing? Not always. They're great for emergencies, or for large purchases where paying cash may not make sense. Also, it's important to establish a track record of responsible credit card management. Your credit history, and the credit rating (or score) associated with it, is information that banks will consider when you try to buy or rent a home, buy a car, apply for student loans. . .possibly even when you apply for a job. By consistently using a credit card wisely, you can create a favorable financial situation for yourself for years to come.

Remember: Credit cards aren't necessarily bad, and good credit card management can actually help you in the long run!

See how well you understand the way credit cards work.
Credit Card Primer Case Files Choosing and Using a Credit Card