Managing Credit

Imagine learning that one of your favorite artists is touring through El Paso and performing at the Don Haskins Center.  You have been eager to see the show but the concert ticket price is steep and not in your budget this semester.  Sound familiar?

Or perhaps the newest laptop you’ve been waiting for has just been released, but you would have to work more hours to buy it and you can’t work more hours and keep up your grades.  Or maybe several friends stopped by to invite you to join them for a night on the town several days before your next paycheck.  What should you do when you don’t have the money now?

One of the greatest challenges you may face in managing your money is distinguishing wants from needs when credit cards offer the option to “enjoy it now and pay for it later”.

Before you are carrying the burden of heavy credit card debt, learn:

• What you can do to manage your debt and credit cards
• How to manage your credit score
• How to avoid identity theft

There are several resources in this section that will help you make wise decisions about using credit.