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Consumer Topics
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HOME: Practical Money Skills for Life
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HOME: Consumers
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LIFE EVENTS
Headed for College
Welcome to the Job Market
Buying a Car
Buying a Home
Here Comes Baby!
Handling the Unexpected
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Preparing for Retirement
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BUDGETING
Building a Budget
Goals
Moving
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BANKING SERVICES
Checking Accounts
Debit Cards
Debit Card Security
Electronic Banking
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SAVING & INVESTING
Principles of Savings
Options
What you should know
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CREDIT CARDS
Benefits
Card Options
Choosing a card
Credit Costs
Credit Reports
Uh-oh: Credit Trouble
The Do's and Don'ts of Credit
Know Your Rights
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DEBT
Debt Load
What Are You Worth?
Borrowing
Bankruptcy
Getting out of Debt
Credit Counseling
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SMART SHOPPING
Advertising
Decisions, Decisions
Look Out!
Shopping Options
A home of your own
Automobiles
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ID THEFT & SECURITY
Security
Privacy
Direct Marketing Privacy
Federal Privacy
好處
優點與缺點
信用卡既有優點也有缺點。通過聰明地使用信用卡，您可以發揮它的優點而減少缺點。
優點
能夠現在就買所需的物品
無需攜帶現金
建立一個購物記錄
比開支票更方便
合併帳單一次付款
缺點
物品成本更高（加上了利息和融資費用）
還可能包括額外的手續費
如果您沒有跟蹤每月的花銷，就可能出現財務困難
為衝動購物的增加提供了可能
