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I think credit cards are an individual choice that can be beneficial to some but harmful to others. Personally I can see myself getting a credit card but not being reliant on it. I think once I am and adult my credit score will become more important to me.

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How does the government protect consumers with credit cards? 

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How does the government protect consumers with credit cards? 

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The government creates laws to stop certain things that may be unfair to consumers such as hiking up a rate and they also make sure that companies are being very honest and transparent about their fees.

https://www.usa.gov/credit-cards

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Check out The Rachel Cruze YouTube Channel for life and money tips! http://www.youtube.com/user/RachelCruze?sub_confirmation=1 ________________________________________________________________ Lindsey's parents advised her to get a credit card to start building her credit score after college. Find A Financial Peace class near you! http://www.daveramsey.com/fpu/classfinder?ectid=70.11.1146 Check out Chris Hogan's book "Retire Inspired" http://www.daveramsey.com/store/books/retire-inspired-by-chris-hogan/prodD078.html?ectid=70.11.1145 Do you want to take control of your money?

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The 3 Fastest Ways to Raise a Credit Score

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Would you like a better credit score as fast as possible? Here's how to get it.

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Credit cards are like borrowing someone else's money while a debit card is linked directly to your own bank account.

Credit cards have fees and collect interest. Debit cards do not carry interest but do sometimes require a minimum account balance.