What is a Credit/Debit Card?

These cards are a convenient way to make payments (so you don’t need to carry cash).  These cards are relatively safe, secure and make life easier for you and merchants/businesses. With a debit card – payment is made directly from your bank account – it is like going to the bank, getting cash and making a purchase. It just saves the bother of the cash part. With a credit card you are taking a loan from the bank in order to make a purchase.  The bank will pay the merchant and you will have a bank loan that must be repaid with interest.

BEWARE: it can feel when you use a credit card that it is not costing you anything – but you have to pay the credit card company back – and usually the longer it takes you to pay, the higher the interest payments you will have to pay.

Get Help Now

If you or someone you know needs to talk to someone right now, text, call, or chat 988 for a free confidential conversation with a trained counselor 24/7. 

You can also contact the Crisis Text Line by texting HOME to 741-741.

If this is a medical emergency or if there is immediate danger of harm, call 911 and explain that you need support for a mental health crisis.