A lot of times, habits are formed unconsciously and easily but take maximum effort to break. However, these habits are crucial to learn early on so bad practices don’t get in the way and you can reap the benefits of them in the future; because credit card debt is way overrated…

Educate Yourself

Credit isn’t the sort of thing you want to experiment with until you get it right — it’s a lot easier to kill your credit health than it is to fix it. You only get one chance to build your credit history from scratch, so before you begin, it’s important to get educated on the basics, like what factors go into your credit score and how to read your credit report.

Pay Your Bills On Time

Making timely payments is one of the best ways for consumers to build credit. Since your credit score is meant to measure how likely you are to repay debts in a timely manner, your on-time payment percentage is often one of the most highly-weighted factors used to calculate your score. Just one late payment could hurt your credit health for years.

Build An Emergency Fund

According to a February Bankrate survey, 21% of 18 to 29 year olds have more credit card debt than they have in their emergency fund. This is problematic because emergencies do happen. If you don’t have any money saved up and get into an accident or need emergency service done on your car, your inability to pay those bills could wreck havoc on your credit


Read more at: http://money.usnews.com/money/blogs/my-money/2015/03/26/5-smart-credit-habits-to-start-in-your-20s#ixzz3dZLrCsbc