The book "Household Credit Usage" offers a comprehensive analysis of the use of credit instruments by households and consumers. At a time when interest in household finances is steadily growing, this collection of essays, introduced by John Y. Campbell, highlights the various ways individuals and households utilize credit to manage their consumption and savings. The authors, Sumit Agarwal and Brent W. Ambrose, examine the dynamics of credit usage and identify potential research areas that may be significant for future studies. This academic book is aimed at readers who wish to gain a deeper understanding of the role of credit in household financing.