Credit Comic Part 7-12

I didn’t use it that much though since I’m kinda frugal. Is that bad?
Yeah, it would be better if you made little purchases here and there and paid them off. After all, it’s better to have a bad credit score than to have nothing to go off of at all. But you’re pretty responsible, you can handle it.
Your credit score is also affected by the loans you take. Your only loan is student debt, right? Do you pay it on time?
Yeah, I read the fine print and I do not want to pay those late fees. I heard horror stories about people stuck in a horrible loop of loans and debts.
That's good, proper loan conduct increases your credit score and lets loaners know you’re trustworthy. So did you read your credit card’s schumer box too?
…My schumer what?
It’s that box that tells you the fees you could pay for your credit card. It’s kinda hidden and out of the way on the website, but you can find it if you do a bit of digging around.
It’s important to understand your credit card, you know? After all, your credit history can affect a lot of things in your life!

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