Taking care of your personal finances can make a big difference in your life. Understanding how credit cards work, dealing with debt, recognizing scams and understanding your rights will help you take control of your finances. The resources below will get you started.

Federal Trade Commission Resources

• Credit, Debit, and Charge Cards » Credit card basics and information about fees, interest rates, finance charges and benefits.
• Free Credit Reports » Information about the Fair Credit Reporting Act (FCRA) and how to get a free credit report.
• Payday Loans » The truth about payday loans and alternatives to help you avoid paying extra.
• Coping with Debt » Helpful tips to develop a budget, contacting creditors, dealing with debt collectors and more.