Surprise: Kids are more responsible with Credit than assumed

[Lowland]

Credit cards aren't that common in the Netherlands. It's literally just something most family's have on them in case of an emergency. No one ever really pays with them.

I think I was pretty responsible with money at the age of eighteen. I saved up a lot of money so that by the time I left my parents' place I was able to by my own brand new appartment with a much lower mortgage [i]and[/i] was able to furnish the entire place.

[Naofa]

[QUOTE=geel9;42719765]I have a debit card. I can only spend what I have in my account...but that doesn't help because I have enough to buy whatever I impulsively want.[/QUOTE]

Set up a Standing order to a secondary account for a large % of your wages into another acount after expenses. that way you can impulse buy on your primary account but not totally fuck yourself over.

[Trogdon]

[QUOTE=Sword and Paint;42720055]If they were smart at all, they would not get a credit card.[/QUOTE]

If you live in the US and are above 18 (or even younger if you aren't going to university) you should seriously get a credit card because having a good credit score is practically necessary. If you just use it like a debit card and build up a score it's fine. Just try to never reach a point where you can only make the minimum payment, that's when you start to accumulate debt.