[crank]

Regarding Credit Cards:

You american kids need to listen to an old(ish) dirty:
get a credit card as soon as you can. this doesn't mean use it at all or
even use it frivilously. it means have one. in today's america ( I'm ignorant
about how the rest of the world works regarding credit) you need to build credit now to establish yourselves 10 years down the road. I'm just baffled at the amount of people without plastic. I'm not happy about the way it works but it's just the way it works.

crank!