A Millennial Who Defies the Credit Card Odds

Jack Giachetti is not unlike most college students. He crams for tests late at night. Drinks copious amounts of coffee and eats pizza - a lot of pizza. But there's one thing, or one number actually, that sets this 21 year old marketing student apart from his peers: his credit score. Unlike most people in his generation (only 1/3 of people under 35 carrying a balance on a credit card) Jack is credit card savvy.