My credit has been shot due to that damn Sallie Mae but it’s going up a little bit. I made the decision to get a credit card, only for small monthly items like Apple Music or gas. I’m 30 years old and this is my first credit card I got on my own. It’s not a lot of money on the card because of my credit history but that’s okay. I’ve seen people with ten or eleven credit cards and they are maxed out. Needless to say, I didn’t get a credit card for a long time. I will be very careful about using it. I will only use it for emergencies only.