Yes I have!
Early on, nobody explained to me the difference between "outstanding balance," "available line of credit," "last statement balance," and "minimum payment." Learning more about those terms really helped me out.
Another thing that made the world of credit confusing is just how it's portrayed in movies and shows. Credit is either portrayed as this glitzy, unending source of products, or as evil incarnate to be avoided by any means necessary. In reality, it all depends on how you treat it.