| I was grateful to those who invented the | | | | Express credit card offers through the mail |
| credit card in the beginning, but then my | | | | on a daily basis. These credit card companies |
| gratitude turned into anger and disgust. This | | | | never stop pitching. The hilarious part is |
| rapid transformation is all related to the | | | | that the interest rate is an atrocious 20 |
| APRs of credit cards. I am annoyed by the | | | | percent. The sad thing is that my daughter |
| fact that interest rates are constantly | | | | doesn't know if that's good or bad. |
| increasing. I assume that you know the drill | | | | |
| by now. Unfortunately, those who are new to | | | | To make things worse, she still wants to |
| the "real world" never do. | | | | acquire an American Express credit card after |
| | | | I told her that it's an utterly horrible |
| I'm talking about the recent high school | | | | idea. Well, I guess it's understandable on |
| graduates and fresh college students who are | | | | some level because it's a part of being older |
| just discovering the real world. They still | | | | and more independent. However, I don't want |
| get excited at the American Express credit | | | | to watch her fall into debt like most of us |
| card spiel in the mail despite all the | | | | do. |
| ranting about the dangers of credit cards. | | | | |
| | | | You should do some research if a Visa, |
| Many young and clueless people have fallen | | | | MasterCard or American Express credit card is |
| for the traps of the credit card madness. The | | | | essential in your life. It would be smart to |
| whole world is basically enveloped in it. It | | | | browse the web over and over for low APRs. |
| would be a good idea to try and claw your way | | | | You should not choose an application until |
| out if you can or do better by not acquiring | | | | you pinpoint the best one. |
| any credit cards at all. Do not be tempted by | | | | |
| an American Express credit card that offers a | | | | You'll have some work ahead of you if this is |
| 0 APR for the first year. I assure you that | | | | your very first credit card. I don't |
| it's not worth your future earnings and | | | | recommend an American Express credit card for |
| upcoming torment with debt. | | | | a college student or young individual, even |
| | | | if some people prefer it because of the open |
| You might say that it's bizarre for me to | | | | spending limit. Credit cards that have open |
| mention this now because my 18 year old | | | | spending limits are strictly for people who |
| daughter is currently in the hot seat. She | | | | are financially set. |
| receives MasterCard credit card and American | | | | |