Is it important for people with no credit to get a credit card?

Why are some people with no credit hesitant to apply for a credit card?

What tips do you have for someone filling out a credit card application for the first time?

Lisa M. Bender, NBCT, M.Ed., Education and Marketing Specialist for the Freedom Center’s Take Charge Today free K-12 financial literacy curriculum, answers these questions and more as a featured expert on

“Establishing and nurturing your personal credit history is an important step in your adult life. Most people will rely on credit for a large purchase of some kind as they navigate through the many stages of adulthood,” Lisa notes.

Read Lisa’s full commentary on here.

To support secondary education and promote financial literacy, the Take Charge Today program provides a free curriculum for high school educators across America to help students understand how to manage money to improve their well-being. The program is founded on the idea that a university-based financial education outreach program can strengthen and extend the ability of schools and community organizations to improve the personal financial capabilities of young adults.