Kentucky Council on Economic Education

Credit: TANSTAAFL (There Ain't No Such Thing As A Free Lunch!)
 
 Credit: There's No Such Thing as a Free Lunch is an interactive 2 to 4-hour hands-on seminar that focuses on understanding credit, credit cards, and credit scores.
Participants will:

• Understand good debt/bad debt

• Know your debt-to-income ratio

• Learn how to shop for a credit card

• Learn how to use your credit card responsibly

• Use a repayment calculator to understand “cost” of borrowing over time

• Learn the warning signs of too much debt

• Learn how to pay off credit quickly

• Understand credit reports and FICO scores

• Learn how to order your free credit report

• Identify ways to build and repair credit history

• Learn about the Fair Credit Report Act and the new Credit Card Bill of Rights

 World's Worst Credit Card Video

Order your free copy of your annual report at www.annualcreditreport.com, not freecreditreport.com (Read the article The High Cost of a Free Credit Report.) http://finance.yahoo.com/banking-budgeting/article/105514/The-High-Cost-of-a-'Free-Credit-Report'

These websites that can help you determine the best credit card for you.
http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx
http://www.creditcards.com

The True Cost of Credit (calculators)
http://www.timevalue.com

http://www.creditcardnation.com/calculator.html

http://www.feedthepig.org/creditcardcalc