* This is a digital product. You will not be shipped a physical planner.  Our newest challenge book takes a fun spin. This informative digital book is all about CREDIT! If you're a newbie to the credit game and not quite sure how to use a credit card, let alone how to build credit, then this book is for you.   VIP Status Her guide To First Class Credit will teach you how to:  Use a credit card Write a dispute letter Build credit Handle collections Pick credit cards Lower utilization Breakdown debt and much more!!   Directions After your purchase you can download the PDF and sticker zip files immediately. A copy will also be sent to your email so please be sure to enter it.  Our digital downloads work with any note-taking app but we recommend Goodnotes. For the best experience we recommend using an iPad or tablet. Sticker Download If you're using Goodnotes you can easily import each download titled "collection" into goodnotes. All stickers will populate automatically inside your sticker tab. If you choose to use the sticker book, you can import the sticker book as well. For any apps outside of goodnotes download the file titled Individual PNG. You will have to import your stickers 1 by 1 into your note taking app.   Please email us if you're having trouble with downloading the file herstationary@gmail.com  *All sales are final