Today the average person cannot buy a car or a house without borrowing money.Many people cannot go to college unless they have loans. Even small purchasesif mad... » 

Today the average person cannot buy a car or a house without borrowing money.Many people cannot go to college unless they have loans. Even small purchasesif made online require a credit card. Borrowing or credit is a fact ofmodern life. Students learn about the ways to take control of credit making itwork for them. This compelling book about credit and credit card smartsprovides a thorough explanation of secured and unsecured credit the types ofaccounts calculating interest understanding statements choosing the rightcard traps and tripups fees billing cycles minimum payments balancetransfers and cash advances. Readers will learn about credit scores and creditreports whether they are a good credit risk. The book describes the stepsreaders can take in guarding their credit and personal information and thesteps that need to be taken if ID theft happens to them. «