Good evening, Queercents readers.

Are you terrified of credit cards? It’s understandable. Millions of Americans are buried in credit card debt. But you’re different, aren’t you? You’ve decided that credit cards aren’t for you. You’re not ever going to bother. That’s safe, isn’t it?

Well, let me tell you something right now: you can have a credit card, use it responsibly, and build good credit. Start out right! And check this new vlog.