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Kids are different.
One kid had a credit card issued when she opened student checking. She left it home when she went off to school, only took it out as a back-up when she went to Europe for an internship one summer. Now, graduated and employed she collects frequent flyer miles by paying for everything with her card and pays it off each month. She is extremely self-disciplined.
The other two know the credit card would tempt them into spending now, worry about paying later. To avoid financial trouble, they decided no credit cards any time soon.
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