1.   Make sure you understand the costs of using a credit or debit card.

2.   Many people use credit as a way of buying goods they are not able to pay for.

3.   Many people who do use credit would prefer not to.

4.   When poorer people do use credit, mail order is the key source for them.

5.   And they have eagerly endorsed his idea of using tax credits, rather than new federal spending, to address a broad range of social issues.

6.   Both neighbors said Carmen Santiago had accounts with two nearby stores and used her credit to buy her children essentials.

7.   But Johnson has also emphasized the importance of using tax credits to help the uninsured buy coverage, a measure proposed by President Bush.

8.   But the House and Senate bills would largely limit lower-income families to using the credit to offset their federal income taxes.

9.   But this cost of house calls and lending to the riskiest segments of the population increases the prices for consumers who use credit to purchase goods.

10.   Credit is used responsibly.