Im 18 yrs old. Will the platinum plus visa credit card be good or bad for me? Any young credit card holders?
Will I be sucked into paying a whooole lot a month?
I need all the info. PLEASE & THANX!
Getting a credit card for a teenager is an excellent way to teach him or her to be financially IRRESPONSIBLE. That's why teens are now the #1 target of credit card companies.
STOP ! Don't get into any agreement with VISA,MC,AMEX. Platinum, gold, silver, black, team logo, airline points.
Responsible use of a credit card does not exist.
There is NO positive side to credit card use. You will spend more if you use credit cards. Even by paying the bills on time, you are not beating the system! But most families don't pay on time. The average family today carries $8,000 in credit card debt according to the American Bankers' Association.
The credit cards are not a rite of passage into adulthood.
American teens view themselves as adults if they have a credit card, a cell phone and a driver's license. Sadly, none of these "accomplishments" are in any way associated with real adulthood.
Here is a fact. You'll start out at 0% for 6-12 months. Then your interest will go up 29.99%. All credit card companies have a clause in the agreement (contract) that if they see ANYTHING they don't like on your credit report- at a whim your interest rates will go up.
FICO is an acronym for Fake Indicator of Consumer Opportunities.
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