When I was an 18 year old college student with no real income I had 9 credit cards with around $10,000 of available credit. I was responsible for awhile at least then life got in the way. I ended up dropping out of school working crappy jobs supporting a boyfriend who was supposed to be supporting me but that's a whole other story. Anyway, I am still paying for those mistakes but now I am paying for them at 0% interest. Yay!