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We get many letters from 18 year olds like "I submitted 9 applications and no one will give me a credit card!" Here's the reason for that.

A Hand-Holding Guide to Getting Your First Credit Card

I got my first credit card at age eighteen. I was a high school senior, I’d just been accepted into college, and the world was my goddamn oyster (just slightly less like salty snot). The year was 2005… and getting that shiny little piece of plastic was just about as easy as putting out my hand and asking for it.

Times have changed. We now live in a post-2008 Recession world, and getting your first credit card has become markedly harder. This is probably why we constantly receive questions from eighteen-year-olds like “I’ve submitted nine applications and no one will give me a credit card. What do???”

The Ramseyan debt purists will say “Do without it, you fool!” But we believe a credit card can be an extremely useful weapon in your financial arsenal. Just look at what happened when Kitty and her boyfriend tried to rent an apartment together and couldn’t because he had no credit!

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