When used properly, credit can be a very helpful financial tool. Credit may help you deal promptly with costly emergencies. Many consumers turn to credit when faced with unexpected home or auto repairs, as well as medical emergencies. And credit offers convenience, enabling you to rent a car or hotel room or buy airline tickets over the phone. In many situations, credit offers peace of mind; there is no need to carry large amounts of cash when shopping or traveling. Come, and understand credit.