Oh, the things you can buy with a small piece of plastic! It may seem like your first credit card is a ticket to buy anything you want. But be careful. Credit can be your best friend or your worst enemy if you don't manage it right. Credit may help you pay for college or buy your first car. It can be a great financial tool, but you must learn to use it wisely. BE SMART ABOUT CREDIT will show you the various forms of credit, the best ways to use credit, and help you manage your debt so you can build a strong financial future.