Paper or plastic?

Conquer fear of credit cards now, reap benefits later

FILE - In this May 9, 2012, file photo, a Visa credit card is tendered at a store in New York's Times Square. Young adults who are afraid of credit cards in the long shadow of the recession usually think only of the risks, rather than the role they play in establishing credit, consumer credit experts say. That can hold them back from building the credit history they’ll need later on if they want to finance a car or get a mortgage. (AP Photo/Richard Drew, File)

Young adults who are afraid of credit cards in the long shadow of the recession usually think only of the risks, rather than the role they play in establishing credit, consumer credit experts say. That can hold them back from building the credit history they’ll need later on if they want to finance a car or get a mortgage.

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