This month I decided to research how credit cards work. Credit cards give you a credit that you
use to buy things with it. At the end of the month you have to pay the loan. A good way to use it is if
you pay all of your loans, and by paying them all off you will not have any interest. Also your payments
make 35% of your credit so you must do it every time. Credit cards are not that good if you do not do
what you are needed to do.

Your credit scores is how likely you are to repay your debt. It is a three digit number and bankers
and lenders decide if they want to give you a credit card or a loan. Sometimes you can have super
different credit scores and that is pretty common because of how many ways there is to calculate it.
Your credit scores are created by- Equifax, Experian, and TransUnion-they are usually things like how
often you make payments and your personal information like gender will not affect your score. A credit
score is really important sometimes so you really need to get your payments in on time.