Credit cards usage is normal in many people’s day to day lives. I got my first credit card at 18. I remember being nervous about having one because I didn’t want my spending to get out of control. Fast forward five years and that’s exactly what happened—I was in way over my head. Go figure…   I used it to buy things I didn’t need. Clothes, accessories, furniture for my first apartment, tickets to shows and whatever else I thought would be fun. It .