// WHAT'S YOUR CREDIT PERSONALITY?

Can you identify yourself from this line-up of credit users?

// The rebel

Profile: You haven't looked at a statement in months, so you have no idea how much is on your card. Come to think of it, you may have actually maxed it out a few months ago.

Credit Rx: If you don't take care of your money, who will? Avoid piling up debt by checking your balance at least once a month. Pay it all off in full — or as much as you can.

// The credit evader

Profile: You're not sure if you have a credit card... did it come in your frosh week package? If you do, you've certainly never used it. Not even that time when your car broke down and you walked 20 kilometers in the rain rather than get it towed.

Credit Rx: Don't let a lack of cash prevent you from dealing with emergencies, medical situations and unexpected costs. Use your credit card when you need a helping hand. Careful credit use is a sign of financial responsibility and your history of repayment will help improve your credit rating.

// The retail junkie

Profile: You may belong to one of two tribes: The Fashionistas (if you could major in Prada, you'd have the highest GPA in your year) or The Wholesale Addicts (you binge on bulk sales, only to be stuck with more family packs of Mac and Cheese than you could ever eat. Ever).

Credit Rx: Two words for you: cash, debit. If you can't curb your spendthrift ways, at least pay up front, rather than maxing out your credit sources.

// The credit whisperer

Profile: You never use your card on impulse because you always ask yourself first, "do I really need this?" You pay your balance off every month, in full, on time. Others call it magic; you call it wisdom.

Credit Rx: Why mess with a good thing! Continue those good credit habits. You'll graduate in good financial shape and with bonus points: a high credit score — which is what you will need to get more credit in the future.