Credit cards: friend or foe? Give students the tools to tell the difference (and stay out of financial trouble!). By age 25, 73% of Americans have a credit card. And without the right know-how, many of them learn the hard way how fast interest and fees can pile up. This ready-to-use credit card lesson helps your students get ahead by giving them the vocabulary, skills, and real-world practice to make smart credit choices and avoid common money mistakes. What’s Inside This Practical, No-Prep Cred