Crdit cards are so prevalent these days, they start pursuing kids when they are in High School to get them. The problem is that by the time someone gradates college they are most likley in debt both with school loans and the credit card companies. So at the ripe old age of 22 you have bad credit and have to start over again. What are we teaching our kids by letting these companies take advantage of them like that? Someone recently said that if you owe money with interest payments you are effectivley their slave, and I am beginning to think that is true.