The minimum age for credit card should be raised from eighteen to twenty-one years old. The first reason is that many young adults mostly college students have a habit of getting more credit cards than needed, which leaves them in debt. Ludlum and Moskalionov point out, “Lenders, eager for new customers, come to campus to sign up fresh meat. College students are solicited for credit cards 25-50 times a year. Incentives include everything from t-shirts to iPod for students to sign up” (38).Usually young adults will get another credit when they max out their old one and the cycle continues; when this happens it only causes debt and it affects their credit in a bad way. A lot of college students and young adults do not know but having too many
