A “secured” credit card is one that can’t be hacked.

I can piggyback on my parents’ good credit to jumpstart my own.

My parents co-signed on a car for me and I’ve made late payments, it won’t affect them until I completely bail on the loan.

Credit cards are free money which I don’t really have to worry about repaying any time soon.

Interest is a fee I pay to use someone else’s money

Even if I’ve got bad credit, it doesn’t change the cost of what I buy.

Credit card cash advances are a cheap way to cover unexpected emergencies without taking out a loan.

Credit card minimum payments are the least I can pay to roll over my remaining balance to the next month.

Making minimum payments won’t add much to the total cost of an item.