Steve Soliz picked up his first credit card when he was a freshman in college. He applied just outside the campus bookstore. Then just 17 years old, Soliz had never had much tutoring from his parents or teachers about how to use a credit card responsibly. He knew the basics. As for the rest, he would learn it the hard way.
At first, Soliz used the credit card for the necessities, like paying for gas. But then, gradually, he began using plastic for the stuff he didn't need. Like a lot of young students, he wanted to keep up with his buddies, so he started charging clothes and electronics.
