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If you're financially savvy, disciplined, and playing the long game, here's a 4-step credit strategy that’s less about spending and more about positioning yourself for financial leverage.

A debit card is essentially a digital checkbook. When you use it to make a purchase, the money is taken directly from your bank account.

Debt-to-income ratio is a financial benchmark used by creditors to gauge a borrower’s ability to manage monthly payments and repay debts.

Bankruptcy is a legal procedure for individuals or businesses that cannot repay their outstanding debts.

A Credit Score is a number that tells lenders how likely you are to pay back money you borrow, based on your past financial behaviors.

Your FICO score is a numerical summary of your credit report, a snapshot of your creditworthiness.

Interest rates, expressed as a percentage, are the cost of borrowing money or the reward for saving it.

Debt is money borrowed by one party from another. Think of it like a financial IOU.

Credit is the ability to borrow money or access goods or services with the understanding that you'll pay later.