@Zerglingman @Hoss got my first credit card in college when I was 18 to pay for my books, and I was still making payments on those books 10 years later. I had to learn the hard way. Finally my credit card company said they were raising ny rates to 30%, and I cut that fucker up, tightened my belt, and paid all my cards off in a year. Never got credit cards again.

I did the same thing with payday loans when they first came out. Kept borrowing the same $200 until I realized how stupid it was, tightened my belt, paid it off, and never got a payday loan again. I was kind of a dumb kid.

But now, I have to avert my eyes while my stepson does the same things. He's 32, so he's in the do-not-offer-unsolicited-advice stage. When he asks me, I beg him not to do it, tell him clever things like,do not buy fast food, groceries, clothes, any consumables with your credit card, because you'll be making payments on that shitty burger from Jack In the Box 10 years from now, and he listens politely, then does it anyway. He's kind of a slow kid, but we love him. Just not enough to pay off his credit card, because if he doesn't do it the hard way, he'll never learn.