Yeah, that's the problem with them. They're tempting.

My son has a friend at college who got a credit card. Then another. Then another. Then another. The kid is a compulsive spender anyway, pretty much. He ran up the maximum balances on all of them. The kid is a junior in college and has $38,000 in debt on credit cards (he has some investment income, which is why he managed to get that amount of credit, but not nearly enough to cover that). It's nuts. We're constantly checking to find out if he's come clean with his parents yet, which he apparently has not. It's going to be a sad day when he does.

I learned my lesson long ago with credit. I opened an account and got a card for my younger sister, who'd stiffed a health club fee and couldn't get credit at the moment. The limit on that card for her was $1,000. Which she ran up in about three weeks. Then she promptly quit her job and was without income, and I was stuck with that bill. She eventually paid me back. But it was a hard lesson learned.

These two stories are why I believe in debit cards only.