As soon as I was 18, I couldn’t wait to do two things: buy a lottery ticket and get my own credit card. I lost my first $10 and gave up on the former, but I didn’t even have to try to get the latter. I got a phone call merely a few weeks after my birthday with a survey from a credit card company — they wanted to issue me my own card. Ten minutes on the phone and one week later, I had that little piece of plastic magic in my hand — and a whole new mess of troubles.