Credit Card Comic Strip


More Options: Make a Folding Card

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Storyboard Text

  • Class, You don't need to restrict yourself to just one card, but try not to open credit cards too frequently. The number of credit cards you carry makes up about 10% of your credit score, so having a large number of credit cards can negatively impact your credit score!
  • Isn't a credit score one of the biggest factor in determining whether or not you get a loan at all and the interest rate offered?
  • Yes Kyra you're correct! Also, being in the substandard risk pool could cost 30 percent more in your rates.
  • Do you have to carry a balance on your credit cards to build a credit history?
  • You do need to use your credit cards to build a credit history, but you don't have to carry an unpaid balance. Your best strategy is to use your credit cards and pay off the bill in full each month so you keep your overall debt-to-credit limit low
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