Dollars and sense
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Published: 7/24/2011

BY ASHLEY SEPANSKI
BLADE STAFF WRITER

The first credit card James Starks, 24, of Toledo, opened was a store card at Express, a mall retailer that caters to teens and young adults. He was 22 and knew he needed to start building a credit report.

“I figured that since I needed to build credit and shop there all the time, I might as well apply for one,” he said.

For two years he used only that card to make small purchases and then pay them off. Just a few weeks ago, he applied for his first Visa card in his name. These baby steps have helped him work toward a goal most young adults don’t often think about: good credit, something that’s essential for anyone making the transition into adulthood.

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