<p>i got my first credit card junior year (a mastercard) and only wish i’d done it sooner–it’s so convenient, it gives me (a tiny amount, but some) cash back on my purchases, and paying it off each month has helped me build up good credit–comes in handy when renting apartments, taking out grad school loans, etc. so as long as you can trust your daughter to be responsible with it, a credit card in her name would be a great idea.</p>