Originally Posted by gpapadop

gardengirl: Your "I don't want a credit card" daughter was the main person amex targeted for the bluebird market:-)

Happy is right. Credit is good, credit is not bad, using credit irresponsibly is bad.

Happy said "It is advisable for young folks to build their credit history via responsible spending, such as having credit cards but pay off the bills every month"

So true. And I bet you this age demographic is a substantial portion of credit card holders who fall behind and continue to make this a profitable activity for all (banks/affiliates/bloggers). And for us too who are milking the system in what is essentially free miles/travel. What a country lol. Yikes. I wrote about this very issue in my blog today!