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  • Hey Jessica! lets go to the night club tonight ill use my use my credit card and it will be free for us!
  • Hello Amanda, first thing you need to know about a credit card it that nothing is free.
  • I understand now Jessica! Thank you so much for telling me this I will be careful with my spending's on my credit card and also pay everything on time so my credit report looks good.
  • Oh.. then what do I need a credit card for?
  • A credit card is a way to help you out for any payments you cant afford but you agreed to pay them back.
  • You also have to be careful, if you do not pay the money that you owe your credit score will look bad.
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