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I'm Asking: Why Did You Get Your First Credit Card?

I'm Asking: Why Did You Get Your First Credit Card?

Fifty-five percent of you got your first credit card shortly after high school and only nine percent of you indicated that you've never had your own card. For the 91 percent of you that have had a credit card to call your own, what was your reason for getting the first one? Was it out of necessity, want, or to simply establish credit?


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GiGiG GiGiG 8 years
At 16, my mother added me as an additional to her card. She added me as an additional to another card before I left for college at 18. My parents gave me a limit every month. Then, the mistake happend at college while entering the rec center. A company was not only giving away credit cards for free, but also giving away a free CD case. I had to do it. This was also a way I could spend beyond my limits without my parents knowing. Trips to Mexico? Yes. A Fendi bag? You betcha. Ordering whatever I wanted from catalogs, just because I loved receiving packages at the dorm? Of course. $8000 later, I realized I had to pay it back. I did it in the 8 months before I married my husband (I was ashamed to tell him about my credit card debt and didn't want him to marry it--surprise!). I don't even want to think about the interest I paid; and luckily, my credit was in good standing (my cash allowance pretty much went all to payments every month). Oh, my daughter will know the dangers of credit cards and how to use them responsibly. Ironically, I work for an online credit card directory. And yes, I am an expert. :) A piece of advice: choose your credit card carefully, know the Terms and Conditions, and choose the card that fits with your lifestyle.
CaterpillarGirl CaterpillarGirl 8 years
To establish credit.
bchicgrl bchicgrl 8 years
I got my first credit card right when i started college and I was so ecstatic that someone was giving me credit, i went a little crazy haha... Now i don't have even one credit card because they are dangerous mix with a shopaholic :D
Jyramiah Jyramiah 8 years
You know, I don't have a credit card. I probably will soon. But only after I get my first paycheck from this new job. Credit cards are scary and I know that if I don't have sufficient income, I would drown in debt. So! Soon, I will have one. Just because things come up at the worst times. It's just about preparation. And building credit of course. That, too.
paramita paramita 8 years
My parents gave me one for emergency use when I was still in high school. But I applied for one a couple of years back because I need it for traveling. It's just easier to make travel arrangements (booking hotels, plane, train) with a credit card, especially if you're traveling to another country.
gemsera gemsera 8 years
haha my first bad financial decision. I got it so I could get a persian kitty I had fallen in love with. and buy things on ebay. I dont have one anymore LOL
LilGlamDiva LilGlamDiva 8 years
I'm 23 and don't have one. I have a debit card and got it when I was 17
graduatedsqueaks graduatedsqueaks 8 years
I got my first credit card to build credit after graduating. That and I knew that I was going to have to spend money on things regardless (food, clothing, etc.) so I might as well make a little money back on it (in rewards). I made sure I paid off the balance in full each month, and it's been working out pretty well so far.
JustBekky JustBekky 8 years
Professional photographs. *For shame.* Second credit card reason is less embrassing; my MacBook. xx
baybug baybug 8 years
My parents told me it would be a good idea to start building my credit. I had a student CC and the limit was $500.
psterling psterling 8 years
My parents got me a credit card in middle school so that I could learn to use it responsibly, under their supervision. I have excellent credit, btw. Thanks to them.
bastylefilegirl bastylefilegirl 8 years
Because it came with free stuff! I got my first one in the food court at my college and there was free stuff much needed by a college student tha came with signing up i.e. food, shirts. Worst mistake of my life!
hex913 hex913 8 years
To pay for books when I started college.
aylee aylee 8 years
To establish credit
Megatron Megatron 8 years
A combination of trying to establish credit and necessity. But mostly to establish credit.
ilanac13 ilanac13 8 years
the VERY first card that i ever got was a card that was an addition to my mom's account since i worked after school and she worked 4 jobs and was never around to take me shopping. i worked in a clothing store and i would always call her prior to making a purchase with my discount to see if it was ok...and that was the very first then once i got to college, as is the case with most schools - the first week there are a lot of people peddling cards and things like that - so i got on the band wagon and got a card or 2 and that was the WORST decision that i've ever made in my life.
bellaressa bellaressa 8 years
I got one for college - our college bookstore only took credit cards and didn't take checks. (the atm limit was 150 - which I never understood) I had to buy books and so I got a card.
Jude-C Jude-C 8 years
They kept sending me offers until I finally gave in.
SugarKat SugarKat 8 years
To build credit and for emergencies...
HeidiMD HeidiMD 8 years
I got mine before college. My dad lived in Alaska, and I went to school in Washington, so he wouldn't have been able to bail me out of any financial situation (like a sudden car repair) like he would have been if I was closer to home.
thelorax thelorax 8 years
My dad set it up for me, in my name, but with the bills going to his house. I used it just to pay for gas, which he generously footed the bill for, just to establish credit and to have on hand for emergencies.
Shopaholichunny Shopaholichunny 8 years
UGHHH. I haven't gotten one yet! I need to start establishing my credit. :( But, my parents are giving me a hard time about it.
Gabriela14815884 Gabriela14815884 8 years
My mom put me as an additional on one of her cards when I was 16 (I had a job and was expected to pay for every purchase) but I didn't get my first solo card til I was 18.
cmd0610 cmd0610 8 years
establish credit, got my first card under my own name, me as the sole account holder when I was 22.
Liss1 Liss1 8 years
To start to build my credit.
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