Credit Management

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• The Three C’s of Credit

• Character – Moral Hazard

• Capacity – Repayment Risk

• Collateral – Security Risk

Do You Need a Credit Card? • Building your credit • Traveling – Rentals – Hotels – Flights • Emergencies Yes you do

• The Three C’s of Credit • Character – Moral Hazard • Capacity – Repayment Risk • Collateral – Security Risk