Crystal took time off after high school. During the first year, she worked full-time and moved out of her parent's house. Responsible for her own expenses, Crystal took out a large car loan which she quickly fell behind on in payments. She also overdrew her checking account numerous times, spending money she didn't have to live a fun, carefree lifestyle. In year two, she traded in the car for a much cheaper one, settled her outstanding debt on the car loan, and put herself on a much stricter budget. Now she's moved back in with her parents and enrolled in community college. Crystal's considering applying for her first credit card.

Should this person open a new credit card?