Madame Fortuna
In your future I see good credit…

Without her trusty treadmill, Pumpkin would be a “PLUMPkin.” But had Hunter paid his bill a lot earlier, he would have saved almost $60. That’s a lot of money, but there’s another reason to pay your bill right away. It can be really important for your future.

Madame Fortuna can look into her crystal ball and see your future full of things that cost a lot of money — houses, cars, college tuition, stadium-sized banana splits. The ball also shows that you may have to borrow money from a bank to help you pay for a lot of these things.

The bank won’t give you any money unless they’re sure that you’ll eventually pay them back. To make sure that they can trust you, they’ll check your credit history, a record of all the times you’ve used credit — to buy shirts, headphones, and treadmills — and how good you’ve been at paying it back. If you have a good credit history, the bank will help you pay for that future of houses, cars, and college. But with a bad credit history, you’ll be swimming in late or unpaid bills — and banks will have no way of knowing that they can trust you. So, to guarantee that future of cars and college graduations, you’ll have to make sure you use credit in the right way.