Im 24 and I have my own retail business in NJ where I sell sporting goods. Last year over the summer my store almost went under, all of my sales got cut by 1/3. Because my business has been open for about 1yr I was hoping for the best so i decided to pay my bills with my personal Credit card. When Christmas started to become closer my store needed alot more inventory, I decided to open a line of credit which have helped me put a good amount inventory in, not in quantity but in variety to make sure my store looked full.


