Smart Credit Habits for Teens and College Students
Our weekly#CreditChatstarted in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down debt, improving credit scores). Each chat is hosted by@Experianon X (formerly Twitter) and all are welcome to participate. DM us any questions.
Join us for this week’s #CreditChat as we talk about building smart credit habits for teens and college students! From understanding credit scores to using credit responsibly, we’ll cover the essentials to help young adults start their financial journey on the right foot. Perfect for students, parents, and educators alike!
Topic: Smart Credit Habits for Teens and College Students
When:Wednesday, July 30, 2025 at 3 p.m. ET.
Where: Join the live hashtag discussion
The panel will include: Jeanne Kelly: Credit expert, identity theft expert, speaker and founder of JeanneKelly.net; Felicity Watts: Author at American Consumer Credit Counseling; Robin Palmer: From the Arizona Council on Economic Education and the University of Arizona’s Take Charge Today Financial Literacy Program; American Bankers Association; Beverly Harzog: Credit Card Expert, Bestselling Author, columnist and podcast host at BeverlyHarzog.com; Todd Christensen: AFCPE®Accredited Financial Counselor®, Author of Everyday Money for Everyday People, and Education Manager at MoneyFit.org; Kembala Evans: Personal Finance Expert, speaker and author; Rod Griffin: Senior Director, Consumer Education and Advocacy, Experian; Jennifer White: Consumer Education and Advocacy Team, and Christina Roman: Consumer Education and Advocacy Manager at Experian.
Gift Card Giveaway
Enter here for a chance to win a $50 Amazon gift card!We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET.Complete rules here.
Questions we will discuss:
- Why is it important for teens and college students to start building credit early, and what are some safe, smart ways they can begin doing so?
- How can parents help teens develop responsible credit habits, even before they turn 18?
- What are the pros and cons of becoming an authorized user on a parent’s credit card?
- What should first-time cardholders look for when choosing their first credit card?
- What are some common credit mistakes young people make—and how can they avoid them?
- How can student loans impact a young person’s credit history and financial future?
- What credit terms should every student understand?
- How can budgeting and tracking spending help college students use credit more wisely?
- What are some common credit myths that teens and college students should stop believing?
- What’s one piece of advice you’d give a teen or college student about managing credit responsibly?
Check out our complete list ofupcoming personal finance Twitter chats here.