The Charge Center
Buy now, pay later.

Even Spendopolis savings experts sometimes find themselves wanting or needing more than they can pay for. So what happens when you want to spend money that you don’t have? You have two choices. You can wait and try to save up for whatever it is you want. Or, you can borrow money and buy that item on credit.

Credit is your ability to borrow money, so that you can buy what you want now and then pay back the money later. It might seem a little strange to pay for things in the present with money you’ll have in the future. But if you investigate, you’ll see that people use credit all the time.

For example, these towers are bursting with credit. Most of the people living in these apartments paid for them using credit, and they probably used credit to buy their cars, too. And at the shopping towers, people use credit to pay for everything from sneakers to gourmet chili dogs at L’Arbre Orange restaurant.

When you don’t have the cash on hand, credit can be a lifesaver. But before you stuff yourself with chili dogs, let’s take a walk through these towers so you can get the hang of credit first.