Funny story - she woke up at 8:30 yesterday (which is VERY early for a teen), at 9:00 she gets a phone call. Who was it? Citibank - offering her a credit card!!!!! LOL, they didn't even allow her to get awake before the sharks came after her. Unfortunately she said no. I told her next time she gets a call like that, to let me know...she needs to start some credit, while I can teach her to be responsible, before she goes off into this big bad world. Unfortunately, due to my mishaps, I don't have a card to AU her on that will help her we have no family either. I tried to pull a WK on her, thank goodness they can't validate her. Seems her cr is as smooth as her little buns were 18 years ago.