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Month. you say that's not a good idea. why? >> well, the way i say it is you should use your credit card for convenience and to build those good credit references so that you can then invest in debt and get the best rate. use your credit card for expenses, routine expenses that you can pay in full and occasional special occasion like a vacation or holiday gift. but then pay it off quickly and then that builds your credit scores in the very best way to be so when you get ready to invest in a house or car or a small business loan, you'll get the very best rate. >> rick: for those whose scores ma...

They're funny. they're not irritating. >> i think when something is a little irritating, we go one of these days. you're too young. >> jackie gleason. one of these days. >> one of these days, p.o.w. >> that's what we do when we're a little annoyed and we start to laugh. it's like because it's silly. >> got to laugh. >> rick: fox news bill hemmer getting a unique behind the scenes chat with the romney family. >> jamie: it's graduation season. that means plenty of firsts for former students. what can parents do to advise their kids about the perils of plastic, especially if mom and dad need help...