just a survey.Do you have a credit card at 18? - Page 2

Megan · 03-14-2008, 07:43 AM

I got one when I went to college (so age 18.5, I guess). I had a small, part-time job, and I never carried a balance on the card.

GOTO Fashion · 03-14-2008, 08:07 AM

I got my first card after I got married and my husband added me to his account. I had scholarships in college that paid for most of my expenses (room, food, allowance at the snack bar, books), so I never really needed one before that. He already had the hang of using credit cards, so I never got into any bad habits. In retrospect, I'm really glad he taught me how to use credit wisely - otherwise, I might have racked up a mountain of debt and been in debt for the next ten years.

Gootsy · 03-14-2008, 08:28 AM

Got my first card at 24. Avoided them like the plague when I was younger cause had heard so many terrible things about them.

Funny thing is when I finally got one, I was in a financial position where I 'needed' it the least, and only got it to help with credit history.... And save money on bank fees (3 accounts with bank = 4 bucks a month fee returned.

kav122 · 03-14-2008, 01:40 PM

I say it depends on the person. I didn't, although I think I am very responsible.

I hope that I teach my kids well enough that they can make an educated decision about whether they want them or not.

VaranusK · 03-15-2008, 11:32 AM

No, in fact I have never had a credit card, and feel no need for one. I just use a debit card so I can spend what I have -no more.

consternation · 03-18-2008, 06:14 AM

I was an authorized user on my mom's card at 17, and she encouraged me to get one in my own name once I turned 18. She also taught me that it should be paid off every month, and armed with that knowledge, I ended up with a $10k credit line by the time I graduated college (having never paid a cent in interest). I'm pretty sure that wasn't a student card.

jdp · 03-18-2008, 08:12 AM

I did. Just one of the things I'd tell myself to 'undo' if I could go back and talk to my younger self.

03-14-2008, 07:43 AM	#11
Megan Senior Member Join Date: Dec 2007 Posts: 308 Reputation: (63)	I got one when I went to college (so age 18.5, I guess). I had a small, part-time job, and I never carried a balance on the card. __________________ Counting My Pennies

03-14-2008, 08:07 AM	#12
GOTO Fashion Member Join Date: Feb 2008 Location: L.A. Posts: 80 Reputation: (11)	I got my first card after I got married and my husband added me to his account. I had scholarships in college that paid for most of my expenses (room, food, allowance at the snack bar, books), so I never really needed one before that. He already had the hang of using credit cards, so I never got into any bad habits. In retrospect, I'm really glad he taught me how to use credit wisely - otherwise, I might have racked up a mountain of debt and been in debt for the next ten years. __________________ GOTO Fashion/Haus CecilyBee Family Maven Frugal Style&Beauty CoolSavings LinkShare

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03-14-2008, 08:28 AM	#13
Gootsy Senior Member Join Date: Jan 2008 Posts: 252 Reputation: (24)	Got my first card at 24. Avoided them like the plague when I was younger cause had heard so many terrible things about them. Funny thing is when I finally got one, I was in a financial position where I 'needed' it the least, and only got it to help with credit history.... And save money on bank fees (3 accounts with bank = 4 bucks a month fee returned.

03-14-2008, 01:40 PM	#14
kav122 Senior Member Join Date: Dec 2007 Location: Minneapolis, MN Posts: 506 Reputation: (238)	I say it depends on the person. I didn't, although I think I am very responsible. I hope that I teach my kids well enough that they can make an educated decision about whether they want them or not.

03-15-2008, 11:32 AM	#15
VaranusK Member Join Date: Jan 2008 Posts: 66 Reputation: (10)	No, in fact I have never had a credit card, and feel no need for one. I just use a debit card so I can spend what I have -no more.

03-18-2008, 06:14 AM	#16
consternation Junior Member Join Date: Mar 2008 Posts: 3 Reputation: (10)	I was an authorized user on my mom's card at 17, and she encouraged me to get one in my own name once I turned 18. She also taught me that it should be paid off every month, and armed with that knowledge, I ended up with a $10k credit line by the time I graduated college (having never paid a cent in interest). I'm pretty sure that wasn't a student card.

03-18-2008, 08:12 AM	#17
jdp Senior Member Join Date: Jan 2008 Posts: 204 Reputation: (24)	I did. Just one of the things I'd tell myself to 'undo' if I could go back and talk to my younger self.