You're right. Emergency use only. The good part is that a lot of kids today know that. My daughter just finished her Master's. After graduation, like all grads, her and her friends get a ton of credit card offers. I told her to get an AMEX for emergencies.
She, like her friends, can do math. They know what 28.9% interest rates on a revolving balance ends up costing them. They all pay with Apple
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