Now, if you get to the point where you are applying for more credit cards because you have maxed out the one (or ones) that already line your wallet then go back and read the first part of this article. And then, DO NOT GET ANOTHER CARD! Continually obtaining new cards, with the hopes of merging balances, will only backfire in the long run. Often times, companies will not let you transfer balances from cards under the same parent company, the promises of low interest rates are deluded (i.e. read the fine print), and more importantly, if you got yourself in a mound of debt with credit cards new ones will not remove you from it. Debt consolidation agencies will enable you to decrease, and pay off your debt quickly, but continually searching for the golden credit ring will not.

On that note, enjoy yourself, your friends, and your adventures . . . just do all these things responsibly and with your own “green cash.” Life is hard enough; don’t make it harder by starting out with loads of credit card debt.