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Two words: Dave Ramsey.
That's why you don't have a credit card, you have a debit card. Credit cards are for suckers. If you don't have the money you shouldn't be buying it.
Credit cards actually serve as a convenience like if you absolutely need something ASAP and you don't have the money at the moment to pay for it.
Plus you need to build credit in order to buy houses and cars...
have fun getting a place with no credit to show that u can maintain regular payments. ur only a sucker if u sucker yourself. personally my credit limit does not exceed my savings amount. so I always have something to fall back on. it all comes down to responsibility
Cardception
I never understood how people do this. I have two store credit cards and two regular credit cards (a Visa and a MasterCard) - none of them let me pay with a credit card. They all require a bank account # and routing number to pay directly from a savings or checking account. Where are people finding these magical cards that let you just rotate which credit card has all the expenses on it?
you raised a bright one...
YDI, you NEVER cosign with family (especially your kids) on credit cards or things you'll end up paying for.
Wish my parents would get me a credit card. But I'm also a grown ass adult and can handle myself.
Keywords
I want to vote FYL because that's a pretty big facepalm moment. But I also want to vote YDI because you helped her get a credit card without bothering to teach her how they work.
My parents learned from my older siblings never to co-sign anything again for them. I have to say that I'm glad she was *trying* to pay it back. It's a mistake. She'll learn.