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  • Hey Joe! What's Up?
  • Hey Charlene! not much, I was just checking my credit report.
  • Credit Report!? What's that?
  • It's a record that is created by the CRA and shows your credit spending history. 
  • What affects your credit history?
  • If you use your credit card responsibly you'll develope a positive credit history
  •  By paying your credit card balances in full each month instead of paying the minimum you will develope good credit 
  • What's wrong with paying the minimum?
  • Paying the minimum will actually cost you more in the long haul because it will increase your APR, or interest 
  • Wow! I'm definitley going to start paying in full now and checking my credit reports. Thanks Joe!
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