[Lenae]

I didn't get my first credit card until last summer when I was 27. I got a JCPenney card so I could pay for our wedding rings ($2500 retail for $650!).

I always used cash and checks to pay for items and got a debit card last summer. I did get 2 credit cards this summer. One at Lowes and took advantage of the 1 year to pay it off. I also got a Victoria's Secret Angels card to take advantage of the semi-anual sale.

The only credit card situation I have ran into it needing one for renting a car. All I have to do is use my debit card to pay a deposit (which never showed in my checking account).