Credit Card Expert Blog

Everyone Needs Credit Cards

 My son is just coming of age and he is getting ready to get his first job and enter the adult world.  He asked me about the things he should do and what he should get to make sure he survives in the world and one of the things I told him to get is a credit card with a low limit.  As a college student he can probably get a free credit card from a company that specializes in credit cards for college students and he should get one and make sure he always has it.

I know it seem like strange advice to give to someone just getting ready to find his way in the world but I honestly believe that everyone should have at least one credit card.  Most people live paycheck to paycheck and sometimes you need groceries, or gas for the car, a day or two before your paycheck is going to arrive.  It is natural and normal and as long as you don’t abuse the credit card then it is also a healthy part of being an adult.  Unfortunately the temptation to abuse a credit card is strong and too many people cannot resist the urge to get that plasma television they really don’t need or take that vacation they really cannot afford.  But my son is a smart kid and he seems to have a good head on his shoulders.  I just hope he avoids learning the rules of credit card usage the hard way like I did and stays smart.  It is all a part of being a responsible adult in my opinion.

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