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