Having a CC at 19 is "alien" to us old farts! At that age, I established credit by paying off a new Jeep CJ5 that my parents co-signed for when I was 17. Nuthin' during my college years except paying my "bar tabs". Seriously though, I find the concept of using CCs to establish "credit" to be a ploy by the "pushers" (i.e. CC companies)...get 'em hooked early and you've got a customer for life
. Obviously, I've never been a fan of CCs...