This report describes principles and techniques for credit management. Topics covered include: (1) methods of determining personal credit limits; (2) ways to keep track of credit use; (3) suggestions for planning credit use; (4) explanations of single-payment charge accounts, revolving credit, installment credit, and consolidation loans; and (5) techniques for building and maintaining self-discipline in using credit. Information in this report is current at the time of printing, October 1980, but is subject to change. (DC)