> That's how today you wind up with someone in their late 20s that's never had a credit card or a loan. This was me till I was 28. I was able to skip having

> That's how today you wind up with someone in their late 20s that's never had a credit card or a loan. This was me till I was 28. I was able to skip having to use a secured credit card by getting a joint card with someone who already has great credit.