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At 17 I got my first full time job and was applied my first credit card.

I was earning £100 / $200 a week and one card led to another and wihin 12 months various banks had allowed me to collect 15 credit cards with a credit limit combined of about £35,000 / $70,000

It is so very easy to spend on credit cards and over a few years my combined balances went up to £17,000 / $34,000 dspite being still on £100 / $200 per week.

I destroyed all my cards except a debit card so all I could spend was money which was actually mine and 9 years later I finally managed to clear off all my balances.

Just don't lose control of a credit card and just pay off the minimum payment because you'd rather havea good time that month because before you know it you will be thousands in the red and the credit card companies will not give a damn as long as they get their money back.