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Credit Confidence™

Credit Confidence™ is a bold, intentional, and informed approach to learning, managing, and leveraging credit. It empowers individuals to use credit not just to borrow, but to build wealth, secure opportunities, and create generational advantage through strategic financial behavior and mindset.

Background: Credit confidence is a series of Books (3) written by Jamera Napier & Artimio Blackburn Sr for the sole purpose of changing the narrative on the way credit is leveraged. Credit literacy is not taught to 99% of the population before the age of 18. We want to change the narrative and the numbers. Our teachings, learned and applied, will increase wealth in families for generations. JamArt (Jamera R. Napier & Artimio Blackburn Sr.)
Credit Confidence™ will unlock not just credit access, but credit authority—positioning you to walk into any financial room with your head high, your terms clear, and your future leveraged for legacy.
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Credit carding

Where you slide your fingers in someone's ass crack. It is a form of sexual assault
Oh man I just credit carded that lady. I'm going to jail :(

Maybe credit carding isn't the way
by EmmyAnim July 29, 2025
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Creditard

One who makes horrible decisions with their money when they are not in a place to.
Wow. There goes Jimmy simping for that e-girl again.

Didn't he just lose his house?

Yep. He's a real creditard.
by Sir Ginger August 3, 2025
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credits

The list of all the people involved in the making of a movie, usually shown at the end of the film, acknowledging their contributions from actors to crew members.
I always stay through the credits to see if there's a post-credits scene and to appreciate everyone who worked on the film.
by Emotional Cruiser August 4, 2025
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Credit-crutcher

An unskilled player in an FPS game that purchases pay-to-win items at low levels in order to get ahead. Typically, creditcrutchers are juveniles who utilized their mother/father's credit/debit card in order to purchase the items/buffs in question.
"Those low-levels have crazy buffs!"

"They're just pay-to-win retards, fuckin' credit-crutcher."
by yesmann September 23, 2025
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Crediting and paying

You didn't build it WITHOUT me and you are PRETENDING that you DID do that.
Hym "So, no, that is not what happened. You tried to build it WITHOUT CREDITING AND PAYING ME... And then you tried to condemn me to hell and empower a retard to do a single white female and your weren't doing it ironically because if THIS doesn't happen you just do that until I die. And now I'm probably going to have to murder some of you. Which, you know, is a little unfortunate because that's hard to do in a way that is fair for everyone but still... Apparently that wasn't an option for you! You thought that was an option and it WASN'T that. SOOOO... This isn't a battle for leverage here. I can't do anything without the credit or payment. Literally. There is literally nothing I can do. And there is nothing YOU can do... Because YOU didn't invent artificial intelligence. You want something to happen that isn't ever going to happen. I'm not doing anything you tell me to do. Ever... What do you want me to tell you here? Because I'm not going to tell you that. I already told you what I'm going to tell you and you're either going to do that or you're going to suffer the consequences of not doing that. And I am not going to suffer the consequences of ANYTHING because I will just kill myself and take all of you with me is you try to do that... Soooo..."
by Hym Iam December 18, 2025
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Cru Credits

credit that is essential to make it to heaven
How many Cru Credits does it take to get into Heaven?
by Mr, Green April 22, 2010
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