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Credit & Debt

Credit cards, credit scores, and debt — demystified for first-timers.

6 lessons · 490 XP · 45 min · Intermediate

Lessons in this path

  1. How Credit Cards Actually Work — What nobody tells you before you swipe for the first time. (8 min, 80 XP)
  2. How Credit Scores Actually Work — What your score means and how to build one from scratch. (7 min, 70 XP)
  3. Debit vs Credit: Without the Confusing Stuff — They look the same but work completely differently. (5 min, 50 XP)
  4. What Happens If You Miss a Payment — Late fees, credit damage, and how to recover. (8 min, 100 XP)
  5. Good Debt vs Bad Debt — Not all debt is created equal. Learn the difference. (7 min, 100 XP)
  6. How to Build Credit From Scratch (No Income Required) — Secured cards, authorized user, credit-builder loans — the real timeline. (11 min, 90 XP)