• Get a checking account

  • Pay bills in full and on time

  • Do not get more than 3 credit cards

  • Do not close checking, savings or credit card accounts

  • Do not have a balance on your credit card exceeding more than 20-30% of your credit limit

  1. Have a budget and stick to it.

  2. Don’t have more than 3 credit cards.

  3. Shop around and get the best deal on a credit card.

  4. If you can eat it or it costs less than $20 do NOT charge it.

  5. Use cash (debit card or check) whenever possible.

  6. Pay off your balances every month.

  7. Never make just a minimum payment.

  8. Regularly check your balance.

  9. Know the difference: Needs vs. Wants

  10. If you are borrowing to pay a credit card debt, STOP! You are in trouble!

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