In this video, we walk through the smart (and safe) way to manage a credit card — whether you’re just getting your first one or looking to build better habits. You’ll learn:

• What it really means to use a credit card responsibly

• How interest, minimum payments, and billing cycles work

• How to avoid common credit card traps like overspending and late payments

• Tips to use your card to build credit without building debt

We’ll also break down the impact of credit utilization, show you how to read your monthly statement, and explain when to use your card vs. when to wait.