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Getting a credit card and using it wisely


Students conduct research to learn about credit cards and explore the effect that using a credit card can have on a person’s credit score.

Big idea

Consumers use credit cards to buy things, track spending, and pay bills.

Essential questions

  • Why might I want a credit card?
  • Why is it important to keep track of how much I spend on my credit card each month?


  • Understand the benefits and risks of having and using a credit card
  • Identify the difference between a secured and unsecured credit card

What students will do

  • Conduct Internet research about credit cards and how they work.
  • Learn important things to consider before applying for a credit card.

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Teacher guide

Getting a credit card and using it wisely (guide)

Student materials

Getting a credit card and using it wisely (worksheet)

Note: Please remember to consider your students’ accommodations and special needs to ensure that all students are able to participate in a meaningful way.

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