[Conskeeted7]

Regardless of what anyone thinks, there are 18 and 20 year olds who can manage large amounts of credit. Some of them are able to use it to their advantage and come out on top of the credit game. Sure, there are thousands who don't do that, but it teaches them a lesson as well.

I personally got credit cards in college and used them at hard points in my life for straight survival. It was to the point where if I didn't have a credit card, I wouldn't have been able to put gas in the car to get to work to make more money. So, I needed it. I only have one card now because I paid off the others. However, I think that my experience with credit taught me how to use it more than any lesson from my parents or class, of which I had both.