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Do you think we should be encouraging young adults to open credit card accounts? What precautionary steps should a person take before opening a credit

Do you think we should be encouraging young adults to open credit card accounts? What precautionary steps should a person take before opening a credit card account, to ensure they don't get into trouble? Once a credit card account has been opened, what warning signs should a person watch for to know if they are getting in over their head? What would you recommend a young person do if they find themselves accumulating credit card debt?

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