FINANCIAL SERVICES GROUP OFFERS FREE BROCHURE TO TEST YOUR CREDIT SAVVY

`How to be Credit Smart,” a new 18-page brochure available from the American Financial Services Association, discusses responsible credit use, help for credit problems and protection against credit card fraud. A quiz also lets you test your “credit IQ” and evaluate your current use of credit. For a free copy, write to AFSA Education Foundation, 919 18th St., N.W., Washington D.C. 20006-5503.