· Don’t overload on credit now, thinking you’ll have a good job later.

· Available credit lines shouldn’t be treated as extra income. In fact, creditors often consider them as potential debt.

· Don’t exceed the credit limit on your credit cards.

· Yes, it does matter if you pay late "every now and then."

· Make sure you have the most economical checking account for your needs. For instance, if you write a lot of checks, you should avoid a checking account that charges you by the check.

· Learn to establish a budget, and stick to it. Financial surprises are usually not good news.

Credit help

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