Just an observation...
When I started college in 1985 I couldn't get a credit card to save my life, my Dad had to co-sign. The only reason he did was to establish credit and was only to be used in emergencies (and under threat of death it was never used). When my wife started college in 1988, part of the "welcome" package was a credit card application from Citibank, that guaranteed a credit card for 18 yr old college students, with no job. It was only a $500 limit but that could increase as long as you never were late. Soon other banks started and the credit card push into massive debt was underway...
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