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Having credit is good but having too much debt can be bad. How to manage credit so you do not have to manage debt.  

 Article Links:

 https://pocketsense.com/advantages-disadvantages-consumer-credit-8063.html By Cam Merritt

 https://www.nerdwallet.com/article/credit-cards/credit-card-tips-everyone-should-know  By Lindsay Konsko

 https://www.marketplacefairness.org/blog/personal-finance-statistics/

 https://mint.intuit.com/blog/financial-literacy/financial-statistics/

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