I've only been 18 for 4 months, but ive had a credit card for 2 years(when my mom authorized me ). I have a high credit score 745 ( i swear, i'll prove it if u want and take a screenshot of my credit report). I do earn good money so im not too worried about it. In about 2 months it'll be down to 1500 i predict. I work as a network tech but only work 32 hrs cause I go to school. A lot of my cash goes to tuition. I have NO loans out, so I might take one out for school. AND tuition is due next month.....**** cal state system. Do you guys believe a parking pass at a Cal state costs 144 dollars a semester. Upsurd!