Did you know that bad credit can keep you from getting a job, renting an apartment, buying a car and even a cell phone? Credit can be a valuable financial tool, but it can also be trouble. That’s why you need Credit Basics, a practical look at credit: why you need it, how to build it and what it can do for you (both good and bad.) Also learn about credit card use and the different credit card options available. Grades 9 – Adult. © 2009. 27 minute video with Instructor’s Guide.