Get Smart About Credit Day: Building Confidence Through Credit Education

Join our weekly #CreditChat, launched in 2012 to help consumers build their knowledge of credit and personal finance. Each week, we explore important financial topics, including saving money, managing debt, building and maintaining healthy credit, and improving overall financial well-being. Hosted by @Experian on X (formerly Twitter), #CreditChat is open to everyone. Have a question? Feel free to send us a DM.

This week’s #CreditChat recognizes Domestic Violence Awareness Month with an important conversation about financial abuse, financial independence, and financial empowerment.

This week’s #CreditChat celebrates Get Smart About Credit Day, a national campaign created by the American Bankers Association Foundation to help young people build responsible credit habits and avoid financial pitfalls. We’ll discuss what teens and young adults should know about credit before major financial firsts, how to make financial education more accessible and engaging, and the habits that can help build a strong financial foundation. Join us to explore how families, schools, banks and communities can help the next generation build credit confidence.

Topic: Get Smart About Credit Day:Building Confidence Through Credit Education

When: Wednesday, October 7, 2026

Where: Join the live hashtag discussion

Meet the #CreditChat Panel
The panel will include: Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Sr. Consumer Education and Advocacy Manager at Experian.

#CreditChat questions:

1. 72% of adults say they’d be better off financially if they’d learned personal finance sooner (Morning Consult, 2025). At what age did you first learn about credit?

2. What should teens and young adults understand about credit before reaching financial “firsts,” such as opening a first credit card, financing a car or taking out a first loan?

3. What questions or misconceptions about credit do you hear most often from teens and young adults?

4. What barriers can make it difficult for young people to access, understand or act on financial education?

5. What are effective ways for banks, schools and community organizations to engage teens and young adults in conversations about credit and personal finance?

6. What makes financial education engaging and useful for teens and young adults rather than something they tune out?

7. How can financial education connect credit concepts to real-life decisions young people are making, such as getting a first job, renting an apartment, buying a car or opening a credit card?

8. What money habits can teens start practicing now to help them manage credit responsibly in the future?

9. Oct 14 is Get Smart About Credit Day. What’s one way you or your community will help someone build credit confidence?

10. What’s one simple credit habit a young adult can start this week to help build a strong financial foundation?

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