my first credit card

[cambam]

Noooooooo, get rid of it, seriously.

I am 22, I have had 3 cards since 18. I am in 6G's worth of debt, and I have just paid my last bills. The cards got cut up a year ago. I will still be paying if off in 3 years time. This is leaving me with fuckall money to spend on myself. I have got 3 jobs to try and clear my debt.

Get a debit card instead, its still plastic, and is still spendable, providing you already have the money.

[Staurm]

Don't trust yourself with it. I thought I could handle one once, but my first credit card turned out to be my last. I quit my job and ran away to India for 6 months. I now have a bad credit rating. Don't do it.

[LIP]

I've got a few credit cards - but i hardly ever use them just incase i go overboard. I cant stand being in debt. I prefer cash in hand.