How to Build Credit Without Going Into Debt


Hi Reader!


Ever feel stuck in that “can’t get credit because you don’t have credit” loop?

You’re not alone. It’s one of the most common challenges young adults face—and the good news is, there are ways to build credit history from scratch without going into debt.

In this week’s new video, I break down:

✅ Why credit even matters (yes, even if you hate debt)

✅ How to build credit when you don’t qualify for a card yet

✅ The best beginner-friendly cards for 2025

✅ And how to avoid the credit card traps that lead to debt


If you—or someone you love—is starting their money journey, this is a must-watch.

▶️ Watch now on YouTube


Let’s build smart habits now, so you don’t have to fix credit problems later.

💸

X Catherine


P.S. Want more help after graduation? My new eBook, Smart Start, is now available on Amazon. It’s packed with practical advice for your very first money moves. Grab your copy here for instant Kindle delivery.

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If you have your credit cards and have found yourself in debt, these 3 videos can help you get out and stay out of debt. You got this!!

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Catherine Agopcan | Financial Educator, Sustainability Advocate

Manage your money better so that you can give a life of impact. Money is a tool for change. Make that change count. Find money lessons at sistersforfi.com

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