This book in the Money Basics series (5 titles) for struggling or reluctant readers will help teens understand how to make smart financial decisions. It clearly defines what credit is, explains why it's important to have, and describes how credit cards and loans work. Examples demonstrate what a person might need to purchase with a credit card versus when they might need a bank loan, and the text shows how to build good credit, defines what a credit score is, and dispels some credit card myths. Diagrams and lots of white space makes this easy to read, and a workshop with an activity that asks readers to compare different credit cards is especially useful. A financial literacy guide that offers practical advice with good examples of expenses a young person may have.