Credit in TV land: "Modern Family"
Credit rating: 10
Characters: Phil and Claire Dunphy, Jay and Gloria Pritchett, Mitchell Pritchett and Cameron Tucker
Show: "Modern Family" (ABC)
Credit card role model: Responsible
Our reasoning: The mockumentary crew doesn't seem to follow any of the Modern Family characters to their desks or computers when they pay their bills, but all of the families are clearly well off and quite likely to be knowledgeable about the best rewards credit cards. The real estate market has hurt Phil Dunphy, but there has been no evidence yet that they're making late payments on their credit card bills. Even their neighbors are doing just fine. (Although one wonders about Jay Pritchett’s neighbor, who remarked in an episode, "According to my credit card, my wife is in Europe searching for the world's most expensive hotel.")
All of that said, Phil's wife, Claire, did have a close call in one episode when she tried to buy her husband an iPad, and left her credit card at home, which her son, Luke, used to pay for a birthday cake for his dad. Fortunately for her, Luke didn't take the credit card to also buy, say, a new bike or an iPad for himself. But again, this is a generally responsible family where that sort of behavior wouldn't be tolerated.