And if your rewards depend on the category of spending,
call your credit card company ahead of time to check on whether what you have in mind will count toward rewards.
Teens have a long life of payments
ahead of them, and aren't developmentally capable of making smart long - term decisions — which is why the U.S. Public Interest Research Group raised concern that 80 % of young adult students had received direct mail from
credit card companies, and 22 % received four phone
calls per month offering
credit cards.