Robert had always wanted to have credit card. As soon as he 18, he went to the bank filled out the application. Within a days, his first credit card arrived the mail. He felt so grown-up. , Robert started using his credit card buy things he didn't really need. didn't realize that he would have pay interest on the money he . When the credit card statement arrived, was shocked to see how much owed. Robert knew he had to more careful with his spending. From day on, he always pays his on time and only buys things can afford. Gradually, Robert built up credit score.