Okay! Now this is what really bothers me about financial unaware people getting their first credit cards thinking it's free money. My dad is also included as well. If you think credit cards as a free money you are the biggest moron who skipped high school econ101 or did not do research what credit cards are upon receiving a letter letting you know this amazing card.

I was taught about credit cards, credit score, FICO score, 3 credit bureaus, and explaining how finance work. After high school I learned about credit cards, already had a job, applied for credit card, and in about a year I was able to get 780 because all I did was grocery, buy STEAM games, porn sites, gas, and other stuff. BEST YEAR OF MY LIFE!!