re: Looking to get my 18 year old a Credit Card to start her credit...

I agree with your sentiment. Learning, or being taught, responsible use of debt and credit is a helluva lot more important than having a high credit score, IMO. Best case, a kid graduates with a high credit score and a high sense of credit responsibility.

My girlfriend’s grandson is in his freshman year of college. He’s an average kid, maturity/responsibility wise. His mother has set him up with a card in the way that I first described: one card with a $2000 limit. But she’s drummed it into his head that the card isn’t play money. He works and he pays the balance off (for incidentals). She pays the school related expenses and she monitors the card online. My hope is that this helps him to learn some basic budgeting rules, as well as credit management. But in the end, he ain’t my monkey.