Credit Without the Misery

Credit cards feel simple until the statement arrives. Credit scores feel like a secret grade someone else controls.

This book explains both from scratch, with the real math.

💡 WHAT YOU'LL LEARN

✔️ How a credit card actually works: statement balance, grace period, due date

✔️ How APR is charged daily, and how to check the interest on your own statement

✔️ The minimum payment trap: why $5,000 at 22% can take about 19 years to clear if you only pay the minimum

✔️ How credit scores are built, and the five factors that matter

✔️ Credit reports vs credit scores, and how to check and fix errors for free

✔️ Paying down debt: the avalanche and snowball methods, side by side

✔️ Deferred-interest and balance-transfer traps, credit freezes, and what to do if you can't pay the minimum

📖 WHAT'S INSIDE

✔️ 27 pages

✔️ 10 worked examples

✔️ 10 practice problems with full answers

✔️ A "my cards and loans" worksheet

✔️ A "Try This Now" action page, a glossary and a one-page summary

👉 Want all five? The Money Foundations Bundle has this book plus four more and a bonus workbook for $47.

Educational only. Not financial, investment, tax, legal or credit advice. US-focused. Instant PDF download.