University of Illinois Extension
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When you buy something, you are often asked, "Will this be cash or credit?" Using a credit card has become a very common way to pay for goods and services the family needs and wants. If you don't have the cash to pay for the item, you may be tempted to use a credit card. But, you should consider the cost of using credit, as you are using future income to pay for the item. 

Credit Card Smarts is a series of fact sheets that provides up-to-date information about credit card topics, such as selecting the right credit card, checking your credit report, managing your debt, and credit card laws that protect the consumer. Most of the fact sheets include a hands-on activity to apply the information to your personal situation.

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