Don’t sign-up for a credit card just to get the t-shirt or some other promotional item.




Financial Football
















Understanding Credit
Do Your Research

  • Shop around for the best terms. www.BankRate.com is a great resource for finding the best available deals.
  • Read and understand the contract.
  • Don't rush into signing anything.
  • Once a contract is signed, get a copy of it.
  • Figure out total price when paying with credit.
  • Make the largest payments possible.
  • Know the penalties for missed payments.
  • Find a card with a fixed rate. A variable rate will cost you more money in the end.