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I went through five years of college, three in expensive NYC, without any credit cards.  I knew that credit card debt would be too overwhelming with everything else during school.  At times, when I saw other students with better stuff, I wished I had  credit cards. But, in hindsight, I was not without what I needed and some things I desired, through hard work and paying cash.  I did not establish credit until I was 27.  That was a little more frustrating.  It did seem that it was worse to have no credit vs. bad credit.  Within three years, having read books on the subject and focusing, I had a strong credit score.  More importanly, I have had managable debt.  I think this new bill could prove a good idea in the interest of our young people. 

posted 3 years, 12 months ago
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