Q: I am 17 and I will be turning 18 in June. I have a job as a waiter that pays me reasonably well.

I was thinking of applying for a credit card to build my credit score and get some practice around borrowing money. What are your thoughts on responsible young people getting a credit card at 18?

A: Some people would say credit cards and teenagers shouldn't mix. There's too big a temptation for a young person to spend all over the place and run up huge bills they can't possibly


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