So you probably see adults using credit cards all the time. But did you ever stop to think that behind this little piece of plastic is a company filled with all sorts of jobs? One of those positions is a credit analyst, which you can basically think of as a financial detective. These sleuths gather information about the company's clients, called cardholders. Are they paying their monthly bill on time? How much are they spending? Are they racking up charges they can't pay off? Using those facts, the analysts make suggestions to the company—to close someone's account if there's a large bill way overdue, for example, or to increase their spending limit if they make payments on time. At a bank, an analyst might decide who qualifies for a loan, and exactly how much they should be allowed to borrow. But credit analysts don't just work for banks and credit-card companies. Any company that allows its customers to pay over time (like a car dealer or department store) needs this kind of expert help. This job also offers mobility: Once you've worked as a credit analyst, you can sometimes get promoted and earn more money as an investment banker or loan manager.