I just got my first credit card today. Yes, my first. I am 26. I get some things in life much later than the norm. Another example is driving. I learned at age 25. And dude, I have yet to learn how to 'really' swim. It's no big deal. I mean I'm not having nightmares, or suffering from a personality disorder because the first time I held a gasoline nozzle to pump gas on my own was 3 months ago (and other folks have been doing that since age 16). The question that comes to mind though is: why? Why didn't I get a credit card before? Why didn't I learn how to swim when I was 8? is it because I'm lazy? -- and the answer to that question is: "There was no reason." Yeah, there was no reason for me to get a credit card then because the things I need are paid in cash (besides those folks who use credit cards in the grocery store are holding up the line! a pain in the butt!). There was no reason for me to swim, because in my youth, I didn't live close to the sea. And, there was no reason for me to drive because we didn't own a car, and man, there were enough jeepneys and buses that could bring me to places! So I guess what this shows is I usually do things for a reason. There has to be a purpose for me to get motivated. There has to be a goal. If there is no end state for me to visualize, I get lost. So why get a credit card? Because I went though a lot of hassle in the recent past just because I didn't have one! ---- I can tell you about it, but that of course is worth another blog.