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"Credit" is the amount of money you can borrow from professional lenders such as credit card companies and banks, and the amount of goods or services you can purchase without immediate payment.

Credit is particularly important to everyone living after a diagnosis of a serious health condition (a "Survivor"). Credit can help you in a financial crunch and provide other benefits. By providing a cushion, it can help alleviate stress.

Don't use credit unless you have to, or as part of a plan. Too many people have used credit for fantasy end-of-life expenditures only to find themselves still here years later with a debt burden that is difficult to manage.

If you're overusing credit cards, there are tips to follow such as the simple step of leaving your credit cards home unless they're necessary.

You can get credit if you have no credit history, or even if you have a bad credit history. Online web sites help locate credit cards and compare features.

There are also steps you can take to make your credit rating better.

Look for credit cards with credit life insurance and credit disability insurance. Both policies are issued with no health questions asked.

Most credit cards offer programs to "monitor" or "protect" your credit. These services are generally thought to be a waste of money since all they do is monitor your credit report. You can order your own reports for free once a year. Each of the three major credit bureaus also allow you to put a "freeze" on your credit. If a protection program goes further and checks additional records or sources, as well as reimbursement for any losses you suffer, the program may be worth considering.

There are steps to take to prevent other people stealing your identity and using your credit.

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