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Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h by MBA, Bill Pratt (2008-08-11)

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Extra Credit: The 7 Things Every College Student Needs to Know About Credit, Debt & Ca$h by MBA, Bill Pratt (2008-08-11)

4.85 14,602 ratings · 5,628 reviews
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Overview: In Extra Credit: The 7 things every college student needs to know about credit, debt & ca$h. You'll learn how credit card companies "trick" you into playing their game by their rules and why it's not your fault that you can't beat them... at least until now. Extra Credit is the book that every college student and high school senior should be armed with as they are about to be assaulted by 50 credit card solicitations each semester. Extra Credit should be a mandatory book for all incoming freshman. You will be able to get your first credit card and use your debit card on your own, but nobody taught you how to use them, when to use them, how to balance your account, or how to tell if you are getting ripped off. You'll discover everything that credit card companies don't want you to know and more! - What's the difference between a credit card and debit card? - What are the top 10 tricks used by credit card companies? - How do credit card companies market to college students? - How do I know when to use a credit card, when to use my debit card or when to use cash? - How do I get out of debt? - and much, much more...

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Published January 1, 2008
ISBN 5966277
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Bill Pratt
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Bill Pratt is a writer and avid reader based in the Pacific Northwest. Before pursuing writing full-time, they spent over a decade working in education. When not working on their next book, Bill Pratt can usually be found hiking with their dog or trying out new coffee shops in their neighborhood.

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Sarah  Davis
Sarah Davis January 06, 2025
Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers.
David Harris
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Rebecca Smith September 12, 2024
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Joshua Davis April 13, 2025
An acceptable diversion. The prose was competent, yet the characters lacked the depth I usually seek. Unlikely to reread, but a reasonable expenditure of time.
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I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Melissa Lewis
Melissa Lewis January 16, 2025
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Kenneth Thompson
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A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. I will undoubtedly revisit this masterpiece.
Matthew Wright
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A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall.
Joshua Harris
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A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
Brian Harris
Brian Harris March 02, 2025
I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Emily Martinez
Emily Martinez October 19, 2025
A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend.
Mark Carter
Mark Carter March 07, 2024
Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
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Emily Davis November 08, 2024
Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
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Patricia Moore December 13, 2025
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Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
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Steven Torres February 08, 2025
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James Green
James Green January 15, 2025
I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
Thomas Roberts
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James Davis June 20, 2025
A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. Worth every moment spent reading.
Nancy Jackson
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Rebecca Cruz January 18, 2024
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Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
David Harris
David Harris February 16, 2024
A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem.
Gary Martinez
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Joshua Lopez
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Thomas Hill
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Took a moment to build, but the payoff was spectacular. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me.
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Thomas Thomas December 12, 2025
I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel.
Brian Thompson
Brian Thompson July 29, 2025
Masterpiece from start to finish. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
Jennifer Cruz
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Brian Green
Brian Green February 08, 2024
Took a moment to build, but the payoff was spectacular. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel.
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Betty Harris March 28, 2024
I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem.
Anthony Carter
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A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall.
Mary Lewis
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Took a moment to build, but the payoff was spectacular. It held my rapt attention, even when certain twists were telegraphed. A very distinguished novel.
Paul Williams
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Absolutely brilliant. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author.
John Taylor
John Taylor December 31, 2024
A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. A true literary gem.
Susan Hernandez
Susan Hernandez March 07, 2025
Such a rich narrative. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
Eric  Parker
Eric Parker September 28, 2025
A highly sophisticated read. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend.
Barbara Baker
Barbara Baker November 26, 2024
It was adequate. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Unlikely to reread, but a reasonable expenditure of time.
Ryan Turner
Ryan Turner March 10, 2025
A very strong entry. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A solid 4 stars from me.
Linda White
Linda White May 09, 2025
I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. I would highly recommend this to discerning readers.
Sandra Taylor
Sandra Taylor January 21, 2024
A profoundly satisfying read. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An absolute must-read for connoisseurs of the genre.
Richard Phillips
Richard Phillips June 13, 2024
I was completely blown away. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece.
Sarah  Davis
Sarah Davis July 09, 2024
I was completely blown away. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece.
James Garcia
James Garcia December 23, 2025
Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. Worth every moment spent reading.
Edward Miller
Edward Miller June 10, 2025
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Jennifer Rodriguez April 20, 2025
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Donna Edwards
Donna Edwards April 25, 2025
A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre.
Patricia Torres
Patricia Torres September 27, 2024
A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Charles White
Charles White December 10, 2025
A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre.
Donald Wilson
Donald Wilson July 04, 2025
I was completely blown away. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre.
Donald Carter
Donald Carter July 31, 2025
Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars.
Jennifer Rodriguez
Jennifer Rodriguez March 16, 2024
Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel.
George Rivera
George Rivera February 09, 2025
I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. I would highly recommend this to discerning readers.
Michelle Jones
Michelle Jones March 29, 2025
Honestly one of the most premium reading experiences lately. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
William Smith
William Smith October 31, 2025
I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars.
Laura White
Laura White August 14, 2024
Not entirely to my refined tastes. It verged on repetitive in the second act. A more concise edit would have served it well. Unlikely to reread, but a reasonable expenditure of time.
Barbara Hernandez
Barbara Hernandez July 29, 2024
A very strong entry. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me.
Gary Martinez
Gary Martinez July 16, 2025
I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
Jennifer Moore
Jennifer Moore November 20, 2025
Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading.
George Evans
George Evans August 13, 2025
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece.
Paul Williams
Paul Williams June 18, 2025
Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author.
Patricia Gomez
Patricia Gomez October 18, 2024
A profoundly satisfying read. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I will undoubtedly revisit this masterpiece.
Jennifer Moore
Jennifer Moore June 24, 2025
Excellent, though slightly flawed. The protagonist was compelling, though some subplots felt slightly overshadowed. Quite impressive overall.
Jacob Gomez
Jacob Gomez September 26, 2024
It was adequate. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Perfectly average.
George King
George King September 12, 2025
Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars.
Mary Lewis
Mary Lewis May 10, 2025
An acceptable diversion. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. Suitable if your reading queue is empty.
Carol Robinson
Carol Robinson September 05, 2025
An acceptable diversion. Certain acts were fascinating, while others felt like a slight endeavor to complete. Perhaps more aligned with a different audience's tastes.
Charles White
Charles White April 25, 2024
Excellent, though slightly flawed. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel.
Nicholas Harris
Nicholas Harris November 11, 2024
I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers.
Sharon  Davis
Sharon Davis February 26, 2024
Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars.
Donna Mitchell
Donna Mitchell November 15, 2024
Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author.
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