In the article “Should Teens Have Credit Cards?” it states: “It is better to operate on the “pay-as-you-go” basis rather than using credit” (1). Spending on a credit card means using money that a young adult doesn't have if they really needed to charge it on a credit card. It is safer to spend the money the teen actually has so they don't owe the credit card company money. In the article “Should Teens Have Credit Cards?” it also states that “Overspending – an easy mistake to make – means accumulating debt that takes months or years and can even lead to a bad credit rating” (1). A young adult who uses a credit card instead of cash is leading him down a bad path. It leads to using a card to pay for something that a young adult doesn't have the money to pay for