With its distinctive blend of engaging graphics and clear language, this guide tackles one of the most iportant topics in personal finance. It explains what you want- and need- to know about what credit is, how it works, and the ways you can use it to your financial advantage. And because people can get into credit trouble when they borrow more then they can comfortably repay, the guide describes the warning signs of too much debt and suggests ways to resolve the problems that can result.