Americans currently use more than 500 million credit cards—that’s two or three for every adult in the nation! This CD-ROM takes a close look at how to use credit responsibly, emphasizing a sensible awareness of terms and conditions and a healthy respect for the consequences of reckless charging.

Modules include…

• History of Credit—provides background on secured and unsecured loans and charts the history of credit cards.

• Types of Credit—takes a look at bank loans and credit cards issued by lending institutions, department stores, oil companies, and travel and entertainment companies.

• What Does Credit Cost YOU?—deals with annual fees, APRs, grace periods, finance charges, transaction fees, and penalties.

• Other Credit: Bank Loans—addresses personal, college, and car loans.

• Are You Creditworthy?—identifies the factors considered in granting credit and emphasizes the importance of the credit report.

• Smart Credit: Responsibility and Consequences—exposes the lure of loans and credit cards, common pitfalls, and consequences of poor credit management; offers tips for using credit responsibly, too.

An interactive exercise that lets users create a personal credit profile is also included.

A Meridian Production. Can be used with both Windows and Macintosh.