Never heard of Barclaycard before?  Well, you're not alone here in the United States.  Although Barclaycard has been around for over 50 years and serves 36 million cardholders worldwide, its brand recognition still isn't that great in America.

Personal finance "experts" are a dime a dozen these days. Simply mentioning something like credit cards will generally cause people to jump at the chance to educate you with their very best advice.

So as you might imagine, kids today are hearing a lot of advice about credit cards - from parents, teachers, schoolmates, commercials...the list goes on. So what credit card myths have your children probably been taught already?

Here are four you should make sure your kids never learn:

Like it or not, FICO scores have become extremely important numbers in our lives.  So much so that I often refer to them as our "personal reputation" in the financial world. Disregard your FICO scores, and you may find it extremely difficult to get approved for anything from apartment rentals, auto loans, and home loans, to a new rewards credit card.  Even insurance companies are taking a look at your FICO scores these days to determine if you're a risk worth taking, so there's no doubt that keeping your scores in tip-top shape can save you a lot of hassle and money in the future.

The Snowball Plan isn’t your typical paying-off-debt plan; it’s designed to jumpstart those who have found themselves in a lot of debt and feel hopelessly overwhelmed. If that’s you, have hope - you will pay off your debt, soon.

College grads are often trying to strike the right balance between opportunity and cost when figuring out where they want to work after they’re done with school. It’s a challenge dealing with things like a debt load and credit cards while also hoping to find the best city to work and live in. The problem is that frequently the best cities are also the most expensive, and this is a time when grads don’t want to take on more debt if possible. Let’s take a look at cities where graduates have a better chance of thriving without adding more to their debts.