As I was saying, Teri needs to get her own VISA, MasterCard, American Express, Discover Credit Cards.  She needs to learn how to spend money wisely and keep on a budget.  I showed her the cardhub.com website and how to work the wizard that it has where you pick out what kind of credit you have, and then pick wisely from the card selection that comes up.  I told her to pick one with no annual fee and rewards if she can find it.  I also told her to read the educational articles about credit cards so she can learn a little bit more about what she is getting into.