🧳 Transition & Reentry Skills *coming soon
Course overview
Lesson Overview

4.10 – Responsible Use of Debit and Credit Cards: Debit and credit cards offer convenience, but they require discipline to avoid debt or overdraft problems. Debit cards draw directly from your balance, making them useful for everyday spending when carefully tracked. Credit cards, however, represent borrowed money that must be repaid, ideally in full each month to avoid interest. Responsible use begins with understanding your limits and spending only what fits within your budget. Checking statements regularly prevents fraud and helps you track spending patterns. Paying on time strengthens your credit score, while carrying large balances weakens it. Treating cards as tools—not extensions of income—preserves financial health. Setting alerts for balance thresholds or due dates helps maintain awareness. Responsible use builds credibility with lenders and teaches accountability. Over time, this control transforms convenience into empowerment, ensuring your cards work for you—not against you.

About this course

Essential skills to support smooth life transitions and successful reentry into independent living and community life.

This course includes:
  • Transition and reentry planning templates
  • Resource guides for housing, employment, and community support
  • Scenario-based exercises for problem-solving and adaptation

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