It's not if they're dumb enough, it's if you're dumb enough to use them. Credit cards can be useful tools, but too many people use them like free money.
9:09 Don't blame Obama, blame the rest of our generation who got into massive credit card debt cause they're retarded.
9:43 To be honest, I'm trying to figure out how and why a 19 year old needs 3 credit cards. I mean everyone needs 1, but 3? Just because you CAN open a card doesn't mean you should.
10:05 it's called establishing credit. I'm 20 and gotten my credit up thanks to paying my credit cards off on time and all of that. I'm not trying to pay high deposits for new cell phone plans and be denied when I try to get other things layer on in life
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