Evaluation of credit should include

Thinking

Communication

What resources are available to help you understand how interest on credit cards are applied?
Why are interest rates usually higher for revolving credit (charge cards) than installment credit obtained through banking?

Leadership

Why don’t people usually figure out their monthly payment and compare it to their budget before they use a credit card?
What goods and services could you purchase on sale, using credit, without affecting your budget negatively?

Management