this post was submitted on 17 Oct 2023
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Americans getting credit cards so young is so foreign to me. Here you only get a credit card either for business reasons or if you travel internationally where the European standards for debit cards don't apply
I was advised by my family, and the bank when I was 16 to get a Credit Card so I could build my credit score. I didn't really have any good financial awareness and they set me at a $2000 limit. Needless to say that was maxed almost immediately and took years of developing discipline to get under control. I still struggle with CCs now and then... They're too easy to come by and too hard to break free of
Where I'm from almost no one under 25 gets a credit card, because most non-online/prepaid/crypto credit cards have an age or income limit.
Everyone over the age of 12 has a debit card here. I think it promotes healthy spending knowing you have a set limit and immediately see the amount of money change. Overdrafts are also not enabled by default and require an extra package.
Venmo/Cashapp etc are also uncommon here.
Oh yeah, you do need a credit card for some hotels here. So that's a reason I guess?
There are enough that accept upfront payments in cash when you check in.