There are pros and cons to both debit and credit cards. It’s important to understand how to use both cards so that you can have great financial health.

Authorized users, like cosigners, should be carefully considered before adding them to a credit card account. If not, it can be a costly mistake and will likely ruin your credit score.

Credit ghosts are people who have no credit score, but they could improve their financial situation by building credit. Here's what is a credit ghost and what to know if you are one.

A secured credit card requires the cardholder to make a security deposit, whereas an unsecured credit card doesn't. Both can be a great tool for building a positive credit history and improving your credit score; each has its advantages and disadvantages.