My first encounter was when I was about 15 and my grandma (mom) was on the line with a credit card company arguing. After the call she told me to never get a credit card. 6 years later I got my first credit card at about 21. I had that card for about 5 years until I defaulted. With the knowledge that I have now I always said that with my kids I will make sure they have the knowledge and understanding on how to use a credit card. I added my son as a authorize user on a credit card and here is the unboxing of his first credit card about 3 years ago.