💳Beginner

Credit Cards 101

Everything you need to know about credit cards, from how they work to building your credit score. The essential foundation for smart credit card use.

5 lessons

2 hrs

Lessons

Learn how credit cards work, the difference between credit and debit, and understand revolving credit.

Learn how APR works, the difference between variable and fixed rates, how interest is calculated, and the grace period.

Understand annual fees, late fees, balance transfer fees, foreign transaction fees, and how to avoid them.

Understand every section of your credit card statement including billing cycles, minimum payments, and transaction details.

Understand what affects your credit score, the five FICO factors, and practical strategies to build credit responsibly.