Smart Credit

Learning to use credit cards in a positive manner increases financial well-being, personal resources and improves asset management. Treating credit card transactions as if they are check, cash or debit card purchases can help a consumer keep track of spending, says USU Extension Family and Consumer Science Agent Joanne Roueche. Credit cards are safer than debit cards or checks and are needed to establish a credit history or credit score. When using a credit card, Roueche says to never spend more than you make and to pay your balance at the end of each month. She also says to beware of high interest rates and annual fees, watch for penalty fees and to retain all records of purchases and returns.

For more information, contact USU Davis County Extension Family and Consumer Science Agent Joanne Roueche [joanner@ext.usu.edu], 801-451-3404.